vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$120.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$180.00} XXXX XXXX   XXXX {$230.00} XXXX  XXXX {$140.00} XXXX  XXXX {$110.00}

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 2020-04-21 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$120.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$1200.00} XXXX  XXXX XXXX {$180.00} XXXX XXXX   XXXX {$230.00} XXXX XXXX {$140.00} XXXX  XXXX {$110.00}

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 2020-04-21 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: TX

Complaint narrative:
attached ftc was sent 3 month ago so did another one will continue to do so until the ftc removed

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 2020-04-21 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: TX

Complaint narrative:
attached ftc was sent 3 month ago so did another one will continue to do so until the ftc removed

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 2020-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Delta Management Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I sent a complaint to the ombudsman at Delta Management Associates about XXXX XXXX. The ombudsman has yet to respond to my email.

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 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
XXXX XXXX, has been the individual in charge of handling my complaint against First Horizon Bank. XXXX XXXX has answered many of the questions presented and has cleared the air on whether there was a Paid-On-Death benefit for XXXX XXXX by sending copies of the Signature cards. Now, the only unanswered questions are : Where is a copy of the Court Appointed document the bank say they used to freeze my bank account and take money from it? And, where is the copy of the second, Power of Attorney? And, where is the stamped received date on the Death Certificate? You see the only way to get the correct answers about the dates in which the bank say they received those items is to have the bank submit their copies, as they did when they submitted the bank 's signature cards on the Paid-On-Death ( POD ). All of these records, the court-appointed order, the second Power of Attorney and the death certificate are public records. I already have a copy of the second, Power of Attorney and the death certificate, but none of the requested items have the bank 's stamped and received dates. These are the items that are being requested : 1 ) Court-Appointed Order 2 ) 2nd Power of Attorney 3 ) Death Certificate all with the bank 's received dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: TX

Complaint narrative:
attached ftc was sent 3 month ago so did another one will continue to do so until the ftc removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AR

Complaint narrative:
Hello I was accepted to unemployment a month-and-a-half ago this card was sent to me through usbank I activated the card I seen days later that there was a balance of XXXX as of today I have tried to use the car online I've tried to use the card at the ATM at the bank and all it keeps telling me is I need to contact customer service I spent a total of six and a half hours on hold with usbank and I'm still not getting an answer not even through email nothing! So that is my only source of income at the moment and I've not been able to touch {$1.00} of it and no excuse as to why I have no food I have no money I have sold my vehicle to get by for the last 2 weeks and these people obviously don't care there's no excuse why I can not get my funds out of that account I was accepted I was approved it's my money I can't even transfer it they've locked me out of the account totally saying that I put in wrong passwords or emails I did not put in the wrong password to emails I've been very organized about this please

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 2020-04-21 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: AZ

Complaint narrative:
Hi, I disputed XXXX XXXX XXXX XXXX  XXXX XXXX XXXX on all three credit reports. XXXX XXXX XXXX XXXX XXXX said they had verified my account properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not verify this account properly and they are still reporting it on my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification  of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I have attached the type statement up sent 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 non-monetary relief
Consumer complaint received 2020-04-21 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Hi, I disputed Credit Collection Service/ XXXX  XXXX XXXX XXXX on all three credit reports. Credit Collection Service/ XXXX XXXX said they had verified my account properly. 

Credit Collection Service/ XXXX XXXX XXXX XXXX did not verify this account properly and they are still reporting it on my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I have attached the type statement up sent me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, this is regarding a promotion at Citi Bank with opening a checking account and in addition a savings account for 2 promos that was originally {$600.00} on the coupon mailed to me that I bought in to the XXXX XXXX, XXXX NY Branch on XX/XX/19 with XXXX the bank attendant where I deposit {$15000.00} in a savings and set up some direct deposits which was all completed and verified by them ( all confirmations on Citibank Messages ) and once all is met 90 days later they will begin to process my {$600.00}. Now each time I asked for an update at the branch they would tell me oh yes you didn't receive it yet ( XXXX and the bank manager lady ) and they will say that I will be receiving the {$400.00} by tomorrow where I would immediately stop them and correct them that it was {$600.00} then they would verify on there computer and agree. After reaching out to the branch every 3 days to complain and have them tell me that I'll see the funds in my account the next day, next day, next day and still getting the amount wrong when i asked them I realized they were playing some game with me and that's when i decided to just deal with customer service which after talking over the phone and getting the run around after they agree it is {$600.00}, then someone else later saying it was {$500.00} another {$400.00} then back to {$500.00} I agreed to take {$500.00} and end this. Since I haven't received the funds on the time/date customer service promised me several times and they stopped answering my call as if they have caller id i had to go on XXXX   through the XXXX   XXXX. At first it seemed as if i was getting there and later to go through the whole circus act all over again with them. Now what they do with me and have done several times is each time I call they verify all and open up an investigation every time, a new investigation to then find it all good to send me the money to never receive it to opening a new investigation. I have all the conversations of this on the citi bank app and can send it to 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 2020-04-21 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: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they  would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: NJ

Complaint narrative:
In XXXX I opened an account with XXXX XXXX in XXXX the account was closed. Its now XXXX and Ive tried to have the account removed from Equifax they stated they cant remove the account even though its well over 7 years. I called XXXX XXXX and they cant even find me because the account is so old. This information only exist on Equifax and not the other credit reporting companys. I want it removed from my account its well over the statue of 7 years and they refuse to remove it. I disputed it a few times. XXXX XXXX said they cant even write a letter to Equifax because my account doesnt exist anymore. Same with the XXXX on my credit report with Equifax. Account doesnt exist anymore since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECENTLY MADE A COMPLAINT ABOUT EXPERIAN. I PUT A LOCK ON MY XXXX CREDIT IN 2018 AND UP TIL NOW MY USERNAME AND PASSWORD HAVE BEEN FINE. NEITHER SEEMS TO WORK. THESE XXXX WONT REMOVE THE FREEZE, UNLESS I SEND ALL MY PERSONAL INFORMATION THROUGH THE MAIL. AND WHO KNOWS THE FRUSTRATION THEY WILL MAKE FOR ME IF I WERE TO ACTUALLY DO THAT? THEY DO NOT ANSWER THE PHONE BECAUSE THEIR CUSTOMER SERVICE IS TERRIBLE. YOU GOVERNMENT XXXX  CLOSED MY FILE AS IFYOU HELPED ME, BUT ALL YOU DID WAS HELP THEM. AT AN EALIER TIME YOU WOULD HAVE HELPED ME, BUT NOW THIS XXXX IS TURING INTO XXXX. THE CITIZENS ARE GOING TO HAVE TO PUT ALLLL YOU XXXX  XXXX OUT OF BUSINESS. THE DAY WILL COME.

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 2020-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: NC

Complaint narrative:
On XX/XX/20, Hunter Warfield called my job back to back within a 1 minute span. Hunter Warfield has my personal cell and my personal email. Thus, using aggressive and intimidating tactics by calling my place of business is unnecessary. Proof of calls attached. I have also made this company aware that I can't accept personal calls at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: TN

Complaint narrative:
XXXX XXXX Balance {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX Balance Balance {$81.00} Date Opened 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 2020-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My loan was transferred to this company on XX/XX/XXXX from XXXX. I reached out to PHH Mortgage to inquire about not receiving any statements and to get my loan number so I can began making payments online. I receive a letter on XX/XX/XXXX advising me my loan was over into a forbearance program. I never inquired or agreed to place my loan into a forbearance program. I received a notification from the credit agency advising me that a note was placed on my account facing financial difficulties this is inaccurate and falsifying records. I never requested an forbearance on my home loan. I contacted the manager at PHH Mortgage Services on XX/XX/XXXX and he advised that on Monday XX/XX/XXXX I will be able to begin making payments and that the remark will be removed from the credit report.. On Tuesday, I tried to make a payment again and the system is stating my loan is in forbearance and I am unable to make a payment at this time. I have tried reaching out to this company several times and someone keep hanging up in my face and will not transfer me to an account manager. I am devastated that I will lose my home. This company is giving me the run around regarding making payments for my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio recovery is refusing to disclose amounts it purchased my debt for, I no longer owe the amount they are talking about and they still reporting Late payment s of XXXX $ in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a recent victim of fraud through Bank of America. Withdrawals took place using my information from my Bank of America XXXX debit card at XXXX XXXX ATM 's. I spoke with XXXX XXXX, and the representative informed me that they do allow more than XXXX withdrawals made at once from their ATM 's. The copy of my bank statement shows two withdrawals done on XX/XX/XXXX & XX/XX/XXXX in the amount of XXXX, and on XX/XX/XXXX, a balance inquiry of {$1.00} & XXXX made. The date and location for the withdrawals done on XXXX ; XXXX ; XX/XX/XXXX were at the following XXXX XXXX XXXX XXXX XXXX and XXXX and a balance inquiry at XXXX XXXX XXXX XXXX XXXX XXXX The thieves made a balance inquiry first to check if money was available in my account before they went on with making the more massive withdrawals. I filed a report with the police department in XXXX, where I reside and a claim with Bank of America on XX/XX/XXXX the day the fraud occurred and I became aware of the activity. 

I received a letter from Bank of America stating the following : Dated XX/XX/XXXX ; Claim # XXXX ; Amount : {$2100.00} ; Account ending in XXXX " We've completed our review of the above reference claim and have determined that no error has occurred in this instance. We now considered your claim resolved ''. 

I consider this unacceptable, and Bank of America should be refunding my money back to me. I contacted the XXXX police department, and they said they have seen a large number of similar situations like mine happening to customers of Bank of America. I believe Bank of America is responsible for refunding my money back for allowing unlawful access of my ATM card to the thieves who committed this XXXX. I would like to file a complaint on Bank of America for unlawful access to my card. 

I have not given out my card to anyone, and I am the only person that knows my PIN for this card. The card has been under my possession and I have not left my home, except for essential food shopping, due to our current stay at home order from the State of California. 

The XXXX of XXXX Police Report number is Incident # 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 monetary relief
Consumer complaint received 2020-04-21 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: WA

Complaint narrative:
XXXX XXXX is refusing to disclose amounts it purchased my debt for, I no longer owe the amount they are talking about and they still reporting Late payment XXXX of XXXX $ in my 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