vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 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: NC

Complaint narrative:
Today ( XX/XX/21 ) a collections dispute was REMOVED from TransUnion. TU dropped my score by 60 points. The only thing that changed was this removal. I had disputed the collections ( medical ) because of wrong information and it was not me. The derogatory mark was removed, and immediately my score dropped 60 points lower. I called TU and was told they could not tell me the reason why and they could not supply my credit report. TU then tried selling me a service at {$19.00} a month for this information. Not once but twice with the sales pitch. This appears like a " pay for credit boost '' scheme. My XXXX increased by 62 points as a result of the collections removal. Very strange that TU dropped it 60 and then tried to sell me a monthly service for any information relating to my 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 2021-03-15 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: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I opened a priority checking account with Citibank on XX/XX/2021. Within a few days, I was then able to deposit {$500.00} in this account from the online portal. 

Within a few days, Citibank put a fraud block on the account. So that I was unable to access the account. 

When I called in ( XX/XX/2021 ) They advised that there are two methods to verify my identity. 

The first method was to send a message or call to a US based phone service. I let them know that I am an expat working overseas and would not be back in the US for quite some time. So this option was unavailable to me. Unfortunately, this information was not presented when I opened the account and I was unable to use the number I provided when opening the account, as it is a VOIP number. 

The second option was to receive a letter in the mail and follow the instructions to verify me identity. I asked Citibank to please send the letter ( on XX/XX/2021 ). I have family living at my US mailing address. I also have USPS informed delivery so I see everything that arrives and the letter never arrived. When I called back ( three weeks later ) and asked if they could resend the letter or verify my identity in another manner. They said " no '' and informed me that there was no way to access my account until I physical return to the United States and purchase a new phone service, even though it is their verification process that failed.

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 2021-03-15 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: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items ( Bankruptcy ) on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I have sued by Midland credit management , Inc because of credit card debt, they hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not recognize this account belongs to me, I filed an Answer that I denied all complaints, and ask the court to dismiss this case. I also sent a letter to this company to ask them to remove all credit reporting and stop attempting to collect this debt, meanwhile, I report to credit bureaus. Because they are failed to provide all evidence I requested, including the original agreement between me and the original creditor with my signature and interest that they use to calculate the total amount ; the agreement between the original creditor and them to prove that they own this debt. 
However, they had ignored my request and filed a motion for summary judgment. This is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 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: WA

Complaint narrative:
Transunion and XXXX reported a delinquency on an account that was never in arrears ( XXXX ). I contacted the credit Union, and they had no record of a delinquency or late payment. I disputed with both companies, as this caused an over 100 point drop in our credit scores ( we had excellent credit for over 30 years and only one late payment to a credit card out of 25 reported accounts over thirty years ). My credit score has not been fixed, though XXXX has sent all supporting documents to each company. The change occurred in XXXX of 2020 when XXXX XXXX XXXX merged with XXXX XXXX XXXX. I disputed with both companies, but there is no return to my previous credit score before they misreported a delinquency. XXXX did not make the same error, and they show us having our excellent rating. We had to cancel a home equity line due to this error as the interest rate would be higher due to the incorrect 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 2021-03-15 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: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
MY CONSUMER REPORT WITH ADVANCED RESOLUTION SERVICES , INC SHOWS INCORRECT BANKRUPTCYS RECORD NUMBERS. THE UNITED STATES BANKRUPTCY COURT CASE NUMBERS FOR ALL 3 PUBLIC RECORDS DONT MATCH UP ON ARS CONSUMER REPORT. ON XX/XX/2019 THEY VERIFIED ALL 3 PUBLIC RECORDS ARE SHOWING ACCURATE. XX/XX/XXXX XXXX XXXX, AND XXXX XXXX XXXX DONT HAVE ANY BANKRUPTCYS ON MY CONSUMER REPORT, P.S IM ALSO A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: IL

Complaint narrative:
The word " Bankruptcy '' appears in rejection letters when I apply for a credit card. The personal bankruptcy was filed on XX/XX/2017 and was immediately determined by my XXXX  that it should not be filed, along with my consent. 
Therefore, the bankruptcy case for XXXX  XXXX was subsequently dismissed. 
There were creditors that were unpaid because of the filing in court. Now whenever I try to obtain credit, the bankruptcy shows up and I am declined credit by major companies. Experian states that they do not remove this term and will not do so for XXXX  years from filing date. They say I can not dispute this item on my report for that reason. My XXXX  score is also affected and I have no unpaid debts and late payments. XXXX and XXXX  treat the bankruptcy the same way.

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 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I was informed that Chase would be closing my secured checking account and my daughters first banking account. I brought it to the attention of the VP at the XXXX location in XXXX XXXX, California and we contacted the back office together where he was informed to email escalation. On XX/XX/2021, XXXX who assisted me in opening the account contacted me and informed me that on the XXXX my account was restricted and provided a number and I was transferred to compliance where the reasoning for closure was not given and will not be given. I have been a victim of identity theft and a survivor of XXXX XXXX and I supplied the escalation department proof of all this and the VP vouched for my account not being closed considering I have IRA and auto loan underwriting by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Self Financial Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items ( Bankruptcy ) on my credit report. It has been over 30 days and I have not received any investigation results.

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 2021-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hey, on XXXX I order 3 stethoscopes form home Depot for my school, in same day they send me an email that one of the 3 items have been canceled, after one week they sent me another email to go to Home Depot and pick one of the 2 stethoscopes, and that second one wont be arrive until late XXXX ; because I needed it on that semester ; I called and I canceled the order ; the sales representative ensured me that order been cancelled. At the end of the month I went to Home Depot and I paid for the one I picked up ( the only one I received ). After 3 months they sent me a letter stating that third stethoscope the one I cancel it wasnt cancelled and they kept charging me XXXX $ fees every months. I called the credit card company /Home Depots for hours and days trying to resolve this issue ... no one seem to care. now they asking to either pay or they will send it to the collection agency. I felt I have been scammed ... paying for something I didnt received. I am very responsible person I pay woman I paid my dues on time and work so hard for my money .I have the emails/ payment to back up everything I said ... .. please I need help resolving this matter.

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 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
I have made several attempts to contact this collection agency. I called the following numbers : XXXX, XXXX, XXXX, XXXX AND I also sent a message on the website XXXX requesting a call back to discuss 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 2021-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
FBCS/XXXX XXXXXXXX I REQUESTED DEBT VALIDATION. THEY SENT ME A STATEMENT ONLY. 
I REQUESTED SOMETHING THAT I SIGNED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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:
I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. Can you please send me information showing that these debts are actually mine? Because its complete FRAUD. If you take a look at my credit you would understand that I have never ever even dealt with this kind of debts. ITS IDENTITY THEFT, MY info is stolen and I need help. Please delete them investigate check whatever but I do not want to see them at all.

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 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. Can you please send me information showing that these debts are actually mine? Because its complete FRAUD. If you take a look at my credit you would understand that I have never ever even dealt with this kind of debts. ITS IDENTITY THEFT, MY info is stolen and I need help. Please delete them investigate check whatever but I do not want to see them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF THE WEST
State: OR

Complaint narrative:
We bought a truck and used Bank of the West for the loan. Everything was fine until XXXX. I was a dental assistant and was sent home from work, with no notice because of covid19. I applied for unemployment benefits but could not get any help for months. I contacted Bank of the west in XXXX and applied for help. I got their Disaster relief plan, and they told me it should be fine. Well they have been reporting the late payment on our credit report 30 and 60 day latest. Also after we started making payments they are still reporting that those months are over 30 days late and they were not. they were late but not over 30 days late. I have disputed these charges on my credit report for the last 5 months. They are still reporting these 30 and 60 day late payments. I tried calling and talking to them. They did not want to help me at all. I'm very frustrated we have paid all the payments and all their fee we don't deserve to be treated this way. It is hurting us financially. We had to sell our home to pay off our debts, and now we can't buy another home. Because of their false reporting. They also drag their heads about posting the payments. I sent our resent payment in last week. I just noticed on the print out I'm going to send you. They have not posted our payment yet. This payment history is being downloaded and sent to you from Bank of the west website! So they know we were not 30 days late. Every month when I dispute these late payments, they just change the month that they say we were 30 days late in.

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 2021-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX I REQUESTED DEBT VALIDATION. THEY SENT ME A STATEMENT ONLY. 
I REQUESTED SOMETHING THAT I SIGNED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I was a victim of fraud on a credit card account I have worked with the company Capital One to get it resolved. I have recently seen a copy of my credit report and they marked a late payment on my credit during this time. This is not right or fair. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Prior to returning to school last XXXX I was making payments on my loans with Nelnet loan servicer. I had my payments set up on autopay and when my school reported to NSLDS that I had returned full-time Nelnet automatically put me in an in-school deferment without my permission and zero notification. THIS IS UNACCEPTABLE. Every XXXX of interest I have paid against this loan is GONE and has now increased and been reported to the credit bureau reducing my credit score. Student loan servicers should not be allowed to stop taking payments without the consumer 's permission or any notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: MI

Complaint narrative:
I settled this account in XX/XX/2018 and on my TransUnion and XXXX credit reports, this account is showing an open balance of {$1900.00}. I have the settlement letter and my bank statement showing that I paid it. I am trying to get a home loan and this is preventing me as it is showing as open and past due.

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 2021-03-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I settled this account in XX/XX/2018 and on my XXXX and Experian credit reports, this account is showing an open balance of {$1900.00}. I have the settlement letter and my bank statement showing that I paid it. I am trying to get a home loan and this is preventing me as it is showing as open and past due.

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 2021-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Mobiloans, LLC
State: MI

Complaint narrative:
Mailed in a {$500.00} money order the tracking information shows the payment was received. 

I was told payments mailed in to the specific address would post when received. My payment has not been posted two workers hung up on me after I began to get irritated with them because my account did not reflect accurate notes because I was in two systems and my name was spelled incorrectly on my initial loan documents.

Company response to consumer: Untimely response