vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 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: FL

Complaint narrative:
I ordered what was supposed to be a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX zoom lens on XX/XX/19 with information on XXXX XXXX XXXX 's website. The lens got to me on XX/XX/19. I tested it for three days, and found that more than 90 percent of the photos were overexposed. I had the lens inspected by a local photography store and was told that the lens is used, broken, and has a counterfeit lens cap. I sent XXXX XXXX an email and a voice mail about these facts. I called them on XX/XX/19 and they told me they had already had a replacement lens ready to ship. Nothing happened. I called them within a week and they said there was a shipping label for a new lens. Next I received an email from them asking me to send the lens back at my own expense, and directing me to ship it uninsured with no requirement to have someone sign for it. 

I called XXXX XXXX on XX/XX/19 voicing my concerns about shipping the lens uninsured.XXXX XXXX told me not to worry. I started a dispute process with Citi Bank. my credit card company in this case. 

I also sent the lens to a XXXX repair facility, and they sent me a repair estimate for {$540.00}. 

Citi Bank ordered me to return the lens to XXXX XXXX. I did this. Citi Bank declared XXXX XXXX 's case was valid. 
Citi Bank also ordered me to then send them proof of delivery and proof of purchase. I did all this, and they have told me they are considering the case. Nothing has happened since then that I can tell, and I have called Citi Bank a few times since I returned the {$2000.00} lens and extended warranty back to XXXX. XXXX. 

XXXX XXXX called me on XX/XX/XXXX, and XX/XX/XXXX. They were rude and insisted the lens was new. On the XXXX they told me they had sent the lens to XXXX for repair, since it is new and covered under warranty by XXXX. 

XXXX contacted me and told me it would take {$700.00} to repair. XXXX also sent me in writing, a statement saying that since the lens was sold to me by XXXX XXXX XXXX, and that since they are not an authorized XXXX dealer, there is no warranty on the lens. I am waiting to get the lens back from XXXX so I can ship it back to XXXX XXXX XXXX. 

I blame XXXX XXXX XXXX for selling me a used lens that does not work. I blame Citi Bank for supporting 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
Consumer complaint received 2019-06-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX I deposited a Social Security check in the amount of {$2900.00}. This is a government check and according to Reg CC Funds availability, ALL of these funds should be made available same day. 

On XX/XX/XXXX, I notice that TD Bank is holding {$2700.00} making only {$200.00} available. I called and their answer was because I made the deposit in person and not electronically, they could hold all but the {$200.00}. That's not what the Reg states.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have already called them and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-06-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting a 30 day late on the XXXX account number XXXX. The date of last activity was in XXXX, 2017. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: CL Holdings LLC
State: TX

Complaint narrative:
I contacted Jefferson Capital about the {$640.00} on my credit report showing as delinquent for a XXXX mobile account, and advised them that I have never had an acct with XXXX and my identity has been previously compromised. I filed a dispute with XXXX in XXXX   regarding this same account and recently again with XXXX on XX/XX/XXXX, and awaiting response. I have had to freeze my credit with the XXXX breach, and with XXXX XXXX and XXXX notifications that my info ( SS ) has been compromised on the dark web. My credit report shows addresses in Louisiana to which I have never lived outside of Texas. I called Jefferson Capital the collection agency, on XXXX XXXX, to discuss/dispute the validity of the {$640.00} XXXX mobile account and and they did not even have my correct information ( name, address, social security, phone number ). I asked the person ( XXXX ), to mail me any documentation showing I opened an account or signed anything and he said they did not do that, and I stated I am not the owner of this account and never have been ( these calls should be recorded in its entirety ). How is it possible to validate putting this on someone's credit report without having their personal information, given this was the 1st phone call with me on XX/XX/XXXX. I have been a customer of XXXX for over 10 years, it states this XXXX mobile account was opened in XX/XX/XXXX. This is not my account nor has it ever been. I'm just looking for any assistance possible, in order to move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted Equifax to clean up incorrect information on my credit file and to have them update the credit score which is more than 150 points less than the other bureaus. When I called I provided them my full name, social security number, date of birth and address. Then they wanted to verify other information on my report. So, I gave them the auto loans, credit cards and student loans that I have open. They then asked me to give them the same information for accounts from the past. I have not had any of these type accounts for over 10 years and I do not remember the names of mortgagers or finance companies I had products with. After spending all this time answering their questions ( 15 minutes ) they then say they can't help me because they can't verify the answers I provided! This is the third time in the last two years they have done this. The end result is I can not correct the bad credit rating they have on my account because they are using information that is likely wrong to determine if I am who I say I am. I need a remedy so that the appropriate changes can be made to the credit record they have with my name on it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington Mortgage Company bought or took over my mortgage loan from XXXX  XXXX XXXX XXXX of 2017 and every year the mortgage has gone up. This was not a refinance and I did NOT sign paperwork this was dealt with as a business transaction between those two companies. So why is my mortgage raising yearly and it Has NEVER done this? As well my previous time paying my mortgage has disappeared and it is like I have a new 30 year loan for a home I have been in 30 years. How is this possible and where has my payments to the previous mortgage companies gone that I have NO equity carry over and no time carry over either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
inaccurate information showing on my credit report. This is a FTC violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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:
inaccurate information showing on my credit report. This is a FTC violation

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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been trying to get copies of my detailed credit report and score from Experian, XXXX, and XXXX since last year, but neither one of them was willing to send an actual report out to me. I even completed the standard free credit report request form for all three bureaus even though I was entitled to additional copies of my report since I'm in the middle of a credit crisis, but none of them sent me a report. This is unacceptable. I need a current copy of my detailed credit report and credit score from all three bureaus immediately.

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 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2019 I went to the Bank of America to see about using an offer from them sent in the mail to consolidate high interest credit debt. They initially had trouble with the mailing 's code, but overrode it. On XX/XX/XXXX, I attempted to make a payment on a XXXX Visa card only to find that Bank of America had paid {$5700.00} to this card on XX/XX/XXXX without my authorization. I had not even activated the Bank of America account and had no intention of paying the XXXX account using Bank of America. I placed a complaint through XXXX  and Bank of America did not show proof of my authorization, yet they have closed the fraud inquiry. This has not been resolved to my satisfaction as they insist I abide by their ruling.

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 2019-06-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have already called them and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 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: NM

Complaint narrative:
See complaint XXXX. 
Equifax has had almost 90 days to resolve this issue on my credit report and now they tell you it will be yet another 30 days for them to " finish their investigation ''. Both XXXX   and XXXX  have removed this account from my report, which is a time-barred collection ( zombie collection ) and should never have been on my report. 

I am unwilling to wait yet another 30 days for Equifax to do nothing. The proof has been submitted several times to them and you. I want this off my credit report and a physical copy mailed to my address as they will not allow me to access their online system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON 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
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: PA

Complaint narrative:
hello. i just received 4 notices through the mail, that was sent to my old address. they are from - cedars business services , llc. - XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX. 1. file # XXXX {$390.00}. ( 2. # XXXX {$390.00}. ( 3. # XXXX {$390.00}. ( 4. # XXXX. {$390.00}. im assuming it is a traffic or parking ticket that i have no knowledge of. from XXXX. i havent been there in XXXX years. and the amount is quite staggering. im a XXXX military vet, with head & neck XXXX. i need help in this matter. thank you ssg XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To CFPB I got an alert from my security online protection that Trans Union has posted an account on my report from a company called XXXX XXXX XXXX for {$61.00} we did not get any written communication from this company stating we owe them anything, and once again Trans Union has posted it without a trace of proof that this is ours.

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 2019-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received an statement dated XX/XX/2019 including fees and amount past due with a new balance of {$840.00} and Synchrony Bank is refusing to properly and accurately solve my dispute bellow : I made several attempts to receive assistance from Amazon and Synchrony Bank but I receive extremely poor assistance and no assistance at all while requesting account number XXXX to be updated and to investigate any unpaid balance and phony gift cards as form of credit. Such account should have a credit balance and it should be mailed to my address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX and payable to XXXX XXXX XXXX. 
All or any correspondence must be in writing and sent to me by certified mail. 
You should send me a refund, investigate with any merchant the validity of any unpaid balance and or send me the merchants and reason for the unpaid balance information for me to escalate the situation personally. The account number regarding this matter should be permanently closed with zero balance. 

Respectfully, XXXX XXXX XXXX____________________________________XX/XX/2019 CC : CFPB Amazon and Synchrony Bank are not responding to solve disputes and hide credit by not disclosing that returned items are not credited to store card balance saying credit was applied but never applied and when asked they say a gift card was issued but nothing is issued. 
I am not aware if business malpractices are still on going because I closed my account. 
The real resolution is stated above and Synchrony Bank must stop calling me so many times within a day because I did call Amazon and Synchrony Bank many times and they both did not solve my request to properly apply credit and close the account. 
In addition, I don't accept any phone calls because all has to be in writing and the letter I sent on XX/XX/2019 was ignored and the resolution has become harassment when in fact I should be reimburse for being required to make payments when they both were refusing to apply credit and close the account. 




Feedback XX/XX/19 Company is misleading and deceiving by using old settled data within the account in question and such do clearly avoid my dispute and demand to provide account closure and refund or to directly investigate the any current balance which was not in any shape or form solved.

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 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
This is an additional problem from a complaint that was filed with Consumer Finance and taken care of by you guys back in XXXX of XXXX that was not discovered until trying to file for a divorce. The Case # then was XXXX-XXXX. If you look that file up you can see what took place. We thought it was taken care of but found that the loan company that we originally dealt with put 2 deeds of trust against our home rather than just the one. The loan company had us sign a second set of paper work about 5 weeks after we signed the first saying that they had left something off. The first set of paper work is for {$61000.00} and the second is for {$61000.00}. So both deeds of trust were sent to XXXX County Tennessee Trustee and put against the home. One of them was released when the loan was paid off and not both deeds of trust. You should be able to get an idea of what I am talking about with the attachments. The problem is that when the loan was taken out in XX/XX/XXXX XXXX/GMAC Mortgage was the lender and part way through the life of the loan XXXX went out of business and our loan was turned over to OCWEN. Please help me with this matter if at all possible because I don't have another avenue to go through for this. OCWEN was not even willing to put our last payment toward our loan until I got Consumer Finance involved in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is being reporting my information wrong or information is missed several times. I have tried to use the web site and call by phone several times and they are not able to verify my identity. 
I have sent letters with documentation and they haven't answer. I phoned again and they keep saying they can't verify my identity. 
I'm missing at least three accounts. 
I can see in my report obtained through XXXX of the three bureaus, that Equifax corrected some info ( not everything ), but still when I phone of try to use to check things over the website, they say they can't verify my identity. 
The couple of times they asked me questions to verify my identity, they asked questions about loans and mortgages I never had and they say I'm not answering correctly. 
They just placed a dispute over one of my accounts in XXXX XXXX, I didn't request, and they are not opening the dispute I do request over the account in XXXX XXXX. 
They are not including my employ information even I have sent to them already my payroll doc.

Company response to consumer: Closed with non-monetary relief