vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was not behind on any prior Pymt before, Forbearance months of XXXX, XXXX and XXXX total of {$1300.00}. In XX/XX/XXXX received a call for Suntrust on Pymt. Paid {$440.00} on XXXX XXXX XXXX paid {$890.00}. Paid XX/XX/XXXX th of {$440.00}. Received my annual esrow statement shortage of {$590.00} on XX/XX/XXXX. Per statement I had to opinion 1 ) {$48.00} for 12 months added to new Pymt on XX/XX/XXXX of {$540.00}. or 2 ) pay {$590.00}. 
I have live in this house for 25 years my esrow has can short more time and my mortgage has changed. I paid XXXX {$440.00} and XXXX {$540.00} have the statement showing mortgage change because Esrow .After I paid the {$1300.00} XXXX Suntrust keeps saying I behind on my mortgage will not post any my Pymt to my account. I have called them 7 times but no one can not explained why and per the represent its noticed on my account to return my Pymt if dont bring my account up. I have log in Suntrust see where they post my Pymt then reverse puts its in XXXX applied funds. I printed out list mortgage Pymt from XX/XX/XXXX through XX/XX/XXXX its showing all my payments and I was never behind of payment. I have a copy of my statement from XX/XX/XXXXthrough XX/XX/XXXX. 
And they fees and charges me {$10.00} when I file forbearance from someone to go out inspection my house. 
This has been nightmare. I know its more Suntrust customer are going the same things.

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 2021-03-04 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: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter requesting an investigation for accounts on my credit report that were questionable. It's been almost two months and I still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: PA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the 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 2021-03-04 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: CITIBANK, N.A.
State: OH

Complaint narrative:
There is an account listed on XXXX XXXX, and XXXX report that seems to be inaccurate and violates my rights under FCRA. The account in question was stated to be deleted upon successful payment, but account still remains. The agreement was fulfilled on my end, but not the creditors end. Attached is the agreement that I was aware was in effect. Please review and fix any errors on 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 2021-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
ON XX/XX/2019 A CREDIT INQUIRY WAS PLACED ON MY ACCT FROM CAPITAL ONE. 

ON XX/XX/2019 A CREDIT INQUIRY FROM XXXX XXXX WAS PLACED ON MY ACCT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Hello, back in XX/XX/2020 and then XX/XX/2020 I requested a validation of debt for the accounts ending in XXXX and XXXX for XXXX and XXXX. I still have not received a response. Because you have failed to validate this debt, please remove it from the credit reporting agencies as it has been several months. Please see the attached email from XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America closed my account when they said there were fraud activity on my account that I have no idea about. My account were hacked and someone had power to regulated my account. I remember the next day I woke up and tried to login. My account were closed I was shocked and angry. They did not talk to me about it and not ask to verify any activity on my account. I remember one time someone tried to apply for credit card in my name. It was ridiculous

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 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase closed my account when they said there were fraud activity on my account that I have no idea about. My account were hacked and someone had power to regulated my account. I remember the next day I woke up and tried to login. My account were closed I was shocked and angry. They did not talk to me about it and not ask to verify any activity on my account. I remember one time someone tried to apply for credit card in my name. It was ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
on XX/XX/XXXX someone hacked my phone sim card and email address and was trying to reset my log in information with coinbase. I was able to catch this in time and block any transactions and changed my email and phone on the account. Coinbase suggested i immediately disable my account which I did. Till today I am trying to recover my account that has my own money and i have no response from coinbase at all. The initial tickets i submitted has a auto reply that it will be fixed in 4-5 business days. After couple weeks passed i lodged a compliant and the auto reply said i will hear back in 15 business days and if they can not resolve someone will contact me to ask for extension. That deadline has already passed and no response. I am very frustrated as my money is tied up in the account which i can not access. I hope you can help. This company is not helpful at all. I wonder how they can go public without any customer support. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04 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: MS

Complaint narrative:
On XX/XX/2021 I mailed a letter requesting proof of inaccurate accounts that were claimed to be verified by this company. It has been almost 2 months and I still haven't received a response. The fcra gives 15 days for the requested info to be provided to 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 2021-03-04 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: NJ

Complaint narrative:
My students loans were paid in full & were never late. XXXX continues to report my students loans incorrectly in the credit bureaus. They never reply to my letters neither to my attorneys. They dont have a phone number either. They dont care about anything. They are very difficult to communicate. I have to go this route as my last resource. The last time they were trying to communicate with me was to offer a program that cost 1000s of dollars. According to them IT was going to help me to complete my student loan forbearance etc. They were very upset because I didnt pay them thousands of dollars to enroll in their program in which none of these fees were to be applied into my loan. They just wanted the money to complete the forbearance which is a simple process anyone can do.

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 2021-03-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My students loans were paid in full & were never late. XXXX continues to report my students loans incorrectly in the credit bureaus. They never reply to my letters neither to my attorneys. They dont have a phone number either. They dont care about anything. They are very difficult to communicate. I have to go this route as my last resource. The last time they were trying to communicate with me was to offer a program that cost 1000s of dollars. According to them IT was going to help me to complete my student loan forbearance etc. They were very upset because I didnt pay them thousands of dollars to enroll in their program in which none of these fees were to be applied into my loan. They just wanted the money to complete the forbearance which is a simple process anyone can do.

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 2021-03-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This bank is XXXX Bank of America put my account in the negative on XXXX XXXX they Left me with a XXXX $ negative balance and money was still being added to the account before it was closed by bofa they blamed XXXX at first iv fought for my money.back for 5 months and now that they have finally approved my claim on XX/XX/XXXX they said they sent my money to me XX/XX/XXXX and I see a posted transaction fir XXXX $ but they are trying to tell me my money went to the negative balance but Im entitled to that money I have bills to pay with that and also I had another agent tell me today XX/XX/XXXX that this was a mistake on their end and that I will receive my money back she even out me in a complaint and missing credit report she also said the banks mistake also included that the bank didnt 0 out the negative balance so that when the money was put back I would get it instead of it going to the negative balance how am I paying for the banks mistake or lack of professionalism I am not at fault here and I honestly demand that they fix this and send me my funds because im being told that my claim is resolved but its not I still do not have my money and this bank obviously thinks I supposed to get by with XXXX XXXX after all of this pain and suffering they took me through I need my money from them this is a panedemic they should not be able to just take our money when it was never our faults in the first place I need my money back like no tomorrow this is beyond disrespectful and incompetent this is inhuman and heartless this is beyond XXXX 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 monetary relief
Consumer complaint received 2021-03-04 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: OH

Complaint narrative:
i notice several months ago it was fraudlent activity on my credit reports please remove and investigate soon as possible and remove

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 2021-03-04 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: MS

Complaint narrative:
On XX/XX/2020, I mailed a letter requesting an investigation of inaccurate accounts showing on my credit report. It has been almost 4 months and I still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: MS

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error.

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2021-03-04 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: Credit Technologies, Inc.
State: MS

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error.

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Notified to validate for 8 months with no response of valid debt from the bureaus or company. inaccurate information reporting on my credit report. collection account is not accurate or valid

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 2021-03-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Someone opened my card fraudulent and accessed the atm For Withdrawal fraudulent

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 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc.
State: FL

Complaint narrative:
Sent letters to validate this debt for 8 months. haven't heard anything about the the bureaus. this information is not accurate & not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
CAPITAL ACCT is claiming that I owe them {$580.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 am currently in XXXX XXXX bankruptcy as of XX/XX/XXXX. I am filing this complaint due to inaccurate information being reported by Experian in regards to my XXXX XXXX XXXX account. I have contacted Experian several times regarding inaccurate reporting of this account. I have also contacted Conns regarding late payment XX/XX/XXXX and CO ( charge offs reporting every month after my Bankruptcy was filed ) and they have assured me that they didnt report any of this. This has significantly lowered my XXXX XXXX. Experian is showing that this account was Charged Off, this account was never Charged Off and is currently being paid through my XXXX XXXX Bankruptcy, therefore, this is inaccurate information. 
This account is also showing monthly XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX and a late payment in XX/XX/XXXX, after the account was already in bankruptcy repayment as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TX

Complaint narrative:
The credit bureau is still reporting these inaccuracies on my account, I have asked them to block and remove according to the Fair Credit reporting Act.

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: AZ

Complaint narrative:
I applied for credit with XXXX Firm on XX/XX/21. I was declined credit by XXXX Bank which apparently uses a lesser known credit reporting agency " XXXX XXXX, XXXX. This credit agency reported me as " deceased '' and credit was therefore declined. This is a recurrent problem with this agency as well as a myriad of other false and inaccurate reporting problems - some which seem to be purposeful. They publish a phone number but do not answer the phone. I have filed a dispute with them but am concerned about their continued control of my private data. Their actions have adversely affected my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmWest Funding Corp.
State: CA

Complaint narrative:
XXXX with XXXX XXXX XXXX for a mortgage loan for a purchase and refinance. What is suppose to be a 45 day close took more than 60 days and still pending. Appraisal itself took a month to complete and was sent out for revision XXXX times. Filed a complaint to the bank to get that sorted out. No one acted with a sense of urgency to help with the client and took several days to review documents causing extensive delays. Even have the audacity to make us pay for the penalty for missing the rate lock deadline. Very very bad communications and customer service experience. The fact that both refinance and purchase loan needs to close at the same time was NEVER discussed to us in the beginning and because of the purchase appraisal holding up, BOTH loan missed the rate lock deadline. Purchase loan was approved but now the refinance loan is holding us up and we were told if the refinance is not approved than the purchase can not be approved. We have already gave them all the documents they need and last minute before closing, they request additional documents that need to be reviewed which is holding up closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was taken advantage of due to malpractice while several laws have been broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I have not been able to get a job, i have not been able to get approved for credit. I have not even been able to get approved for a XXXX loan in these hard times during this pandemic.

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