vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 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: GA

Complaint narrative:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( XXXX & XXXX ) Address : XXXX XXXX  XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & Equifax ) Address : XXXX XXXX XXXX ( Equifax & XXXX  ) The following items are reporting as a result of Identity Theft : XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Equifax XXXX XXXX  ) ; Bal : {$780.00} XXXX  Retail - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  ) ; Bal : {$0.00} ( XXXX & XXXX  ) XXXX XXXX  ( XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$2900.00} ( XXXX  ) XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$570.00} ( XXXX  ) US DEPT ED - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX )  ; Bal : {$3000.00} The Public Records is incorrect information : Chapter XXXX Bankruptcy Dismissed Dated : XX/XX/XXXX ( XXXX XXXX XXXX  ) Please remove unauthorized inquiries from my credit file : 1 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There is an account on my report from XXXX XXXX XXXX which was close closed over a year ago yet trans union is still reporting it as active. It needs to be removed. There is also information on my report for XXXX XXXX  the house was sold and the account is closed. I respectfully refuse to furnish a social security card as requested or any information that could be used in a fraudulent manner as it has been well documented that these information carries have had issues with data breaches.

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 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed disputes concerning the information on my credit file. I am being told that is it factual. I do not know some of the creditors listed on my credit profile. I do not have an open line of credit listed in which I am paying. I will attach a letter that outlines my complaint in greater detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
i sent off {$100.00} on Monday XX/XX/2020 and up today the money is not in the account of the person I sent it to and I can not reach anyone on Paypal to solve this problem. This was a case of emergency due to medical concerns and I have decided to complain about this company that I need a full refund including the fee they charge for sending it. 

They said that is due to the covid 19 situation due to skeleton staff but I was not told this before I sent the money. 

i am really mad and I wish I had done it in a different way..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03 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: NY

Complaint narrative:
I opened a billing dispute for {$1000.00} with Citibank Credit Card XX/XX/XXXX, paid to merchant, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX for a 11 carat stone they advertised and sold to me as a natural ruby. I opened the dispute with the credit card after trying to contact the merchant by phone, XXXX message and by email XX/XX/XXXX upon learning the stone was a composite, a fake and receiving no response. Citibank provided no instructions regarding the dispute until they closed the dispute the first time and advised me to return the item in order to pursue the dispute further. Upon this instruction, I returned the item, provided proof of delivery made on XX/XX/XXXX and waited until XX/XX/XXXX to learn that Citibank takes the position that the charge is valid since the merchant will not accept the return. I therefore have paid {$1000.00} for an item that is not in my possession. The merchant has kept the money and their product, and Citibank has again closed the dispute.

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 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2020 opened checking and savings account with SunTrust Bank. Transferred over {$4000.00} from my XXXX account to open both accounts. Downloaded the mobile app and signed up for mobile banking. Both the website and mobile app never functioned. XX/XX/2020 I stopped by the branch to see what was happening. I was told that the transfer hadn't posted yet so that is why the website and mobile app weren't working. I made a deposit by check into both accounts of {$500.00} each with additional {$20.00} in cash into each account. Everything began to function after XX/XX/2020 and the debit card and checkbook came in. XX/XX/2020 I deposited {$38000.00} via cashier check into the new account. XX/XX/2020 I deposited {$36000.00} via cashier check into the new account. On XX/XX/2020 I reviewed my account on the mobile app and was prompted to call customer service because my account had been closed. I immediately returned to the branch and spoke to XXXX XXXX the branch manager who informed me that the account was under review to be close since XX/XX/2020. I told her that I had not been notified by mail, email or phone of this. From that day I was denied access to my account by website of mobile app. I wasn't given a day of when my funds would be returned to me. I asked for the information of the District Manager XXXX XXXX. I called Mr. XXXX and left several messages. When I spoke to him after a week and half of leaving messages he assured me that I would be receiving my funds. It was an unfortunate circumstance. I've left several messages for XXXX XXXX from corporate office with no response. I've spoken to customer service with no resolution and have been told that my money will be returned to me by check sent by regular mail not certified or XXXX. I find this to be more than unacceptable and negligent on the part of SunTrust Bank. If the relationship had been terminated unbeknownst to me on XX/XX/2020 then why did the institution accept two sizable deposits on XX/XX/XXXX and XX/XX/XXXX? It is now XX/XX/2020 and I have no resolution and no money. This is a total of {$79000.00}. I have reviewed comments on XXXX and XXXX only to find similar complaints and clients waiting anywhere in upwards of 3 to 12 months to receive their money back. Too many similar complaints this is not a coincidence. This has the potential to ruin many lives financially in every aspect.

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 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
XX/XX/2019, credit card was paid off. Its been over a year and Im still unable to open a bank account with XXXX XXXX due to credit reporting still showing unpaid amount.

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 2020-07-03 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:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

I have tried multiple times times to report the inaccuracies to the credit bureaus and they have remove inaccurate information and they have not complied. 

I will attach driver license ftc report ssn card

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 2020-07-03 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: CA

Complaint narrative:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

I have tried multiple times times to report the inaccuracies to the credit bureaus and they have remove inaccurate information and they have not complied. 

I will attach driver license ftc report ssn card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: LA

Complaint narrative:
I sent in dispute and its been well over 30 days and I havent received any response back form 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 2020-07-03 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: LA

Complaint narrative:
I sent in dispute and its been well over 30 days and I havent received any response back form 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 2020-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Loan passed on to Navient who has me on income sensitive payments with no understanding of that while i make a good salary they have been increasing my payment requirements to upwards of 2-3k.  this is not manageable and my loan balance due to deferments has increased to over 300k. there is no clarity on this at all. i want to transfer my loan to another provider and I want to make sure that once i start paying it is manageable as well as that the interest they continue to charge is allowable. i was not aware of this increasing amount at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I've been working with XXXX XXXX of Amerisave to refinance our home. Soon after I paid the {$500.00} application fee I have been stonewalled. I contacted them many times, even received a call from his manager XXXX. XXXX indicated my file was with an underwriter. That was over 10 days ago. They have all the information they need to get the loan financed. I have heard nothing. I advised them in the latest email that if I did not hear from them I would file a complaint and I want my {$500.00} fee back. Clearly I have not received what I set out to do - refinance my existing mortgage. I noted other reviews on Amerisave that they do this all the time. I sincerely hope this is not a scam, just poor service from one individual. Nevertheless I no longer want to do business with this company and I want my money back. I also want to alert others so they don't run into this same frustrating experience.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several unrecognizable credit inquires on my credit profile. I do not have an open line of credit with the majority of these companies. I have written letters to the companies and filed credit disputes. They are responding that this is factual information. I disagree with their responses.

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 2020-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
I have requested lender a refund of {$38000.00} for the over payment on closing of final escrow on XX/XX/2019 but the lender did not pay attention to review and send me the refund. I received an email from FCI Lender Services , Inc. to ignore my request. Thank you

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 2020-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Can not get deposits due to PNC bank not allowing me to link my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: TX

Complaint narrative:
I had tried months before to remove the security freeze on Equifax.com, but to no avail. I was unable to log in or get a hold of any person. I also mailed in information to their address on their website, but my account remains frozen. On Friday, XX/XX/2020, I tried again to remove a security freeze on Equifax by logging in to the account. Following the directions given by Equifax on the phone, I logged into MyEquifax and was met with the screen displaying this message : We are temporarily unable to complete this request. 
Please try again later. 

I tried to call them at ( XXXX ) XXXX, and was met with a recording, and when I pressed " 0 '' to talk to a person, I received a pre-recorded message telling me I needed to mail in paperwork with information about my identity. I had done that previously a few weeks ago after giving up on all my attempts to contact Equifax through the phone and logging into my account. There seems to be no accountability on Equifax 's part regarding their duties to consumers. I am not able to log into my account, talk to a person, or see any difference by mailing information to them. I want to be able to have control over my credit freezes/information and Equifax is denying them to me. 

What needs to be done is that credit bureaus should give consumers control over their accounts. Make your website accessible to everyone. Have people on the phone on the other side ( especially when you give that option! ). This is akin to a bank not letting me access my personal checking account and should be illegal. If a company is not able to handle sensitive information that belongs to someone else with responsibility, it should be denied the privilege of storing that information, much less having a hand in rating a responsible citizen 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I called American Express to pay the remainder on the card and cancel it. I explained that part of the late fees happened because my card was lost or shredded and could not access my account when I called them prior. Because when I called them earlier in XXXX, their representative told me to go to the app and would not help me that time, I was not helped this time. But this time they helped me pay my card and told me the card and account were closed. That day on XX/XX/XXXX after our call, I got an email saying I had been refunded a certain amount. On XX/XX/XXXX an email said the account was cleared. Then on XX/XX/XXXX I received an email that I had been refunded more, but I thought it was a mistake. So almost no contact nothing owed for 5 months, THEN in XX/XX/XXXX or so I receive an email that i have a balance due to them again! When I had shredded the card. They add late fees and never truly close my account. And at this point, Ive called and talked with 4 or 5 Amex representatives and canceled my account. Last time they acknowledged it was harassment and said I would not be contacted again. YET I received another payment due letter at my parents residence. It is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have tried to obtain my credit report via XXXX from Equifax. 

I have done this weekly in the last 3 weeks. I have had no problems obtaining my XXXX  or XXXX  reports. Each time Equifax reports " Online Delivery Unavailable '' and they want a litany of mailed information. I called Equifax last week and there was a suggestion it may be related to a credit freeze, despite what I read on FTC and CFPB websites. I unfroze my account at Equifax. In trying again today at XXXX, I was again told " Online Delivery Unavailable ''. I am confident I am answering the security questions correctly because I am able to complete security for the other bureaus and because I have recent Equifax credit report to reference. I called again Equifax and explained the situation - answers from their representative suggested that they were not aware of the Fair Credit Reporting Act requirements and would not answer why their company could not fulfill the service requirement of XXXX. I asked to speak to a supervisor. At that point, the representative asked me to hold, and after a few minutes the call was terminated by Equifax because I was routed directly to questions about my satisfaction with the call, with no other options. Many other Americans report a similar obstructionist experience from Equifax but not XXXX  or XXXX  - https : //www.consumer.ftc.gov/blog/2020/05/credit-reports-are-now-free-every-week. 

I ask CFPB to interface with the leadership of Equifax and curb this galling and obstructionist practice especially in light of their breach of 150 million Americans information ( of which I was one ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
I have tried to fix this debt with this company, I sent them letters. I called them the account comes from identity theft, I got into a desperate situation where I was going to pay it because my grandma passed away and I needed a loan to pay for funeral at a very sad and hard time in a desperate situation I called this company and theyve tried to take advantage I told them I was a victim of identity theft this isnt my account but I needed to have a funeral for my grandma and They tried to get me to pay money I dont have for an account I am a victim of identity theft and Ive been a victim of this debt collector trying to take advantage of me please helpThey are ruining my credit profile causing me pain on top of pain. This is wrong

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 2020-07-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX I went to use my Bank of America UI debit card it was declined. I went directly to a branch and they advised me that I needed to call. While on the line for over an hour, I spoke to a BofA agent who took over an hour to assist. Honestly, it did not seem like she knew what she was doing. When I reviewed my statements, there was a Charge to E-Bay for {$2000.00} made on XX/XX/XXXX that was unauthorized. In addition, there were roughly XXXX charges ( well over {$2000.00} ) to XXXX XXXX in XXXX XXXX that I also did not make. These were reported ; however it is well over a week now and I still DO NOT have any credits. In addition, I looked at my balance today and there is a charge made on XX/XX/XXXX to XXXX XXXX for {$21.00} that I also did not make. I just activated my new card today, so how can anyone make charges to the account? Did this come from the prior card number? Bank of America also said they would be sending out letters and I have not received anything. These are the ONLY funds that I have and need and need some assistance ASAP, as I have bills that I need to pay.

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