vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Back in 2019 my personal stolen with my belongings my job is license and Social Security card Who has been trying to make and apply for credit under my name now I have over 15 inquiries I am a victim of identity fraud and I have been trying to get this issue resolved for over a year

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 2021-10-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Hello, i recently sent in a ftc report regarding fraudulent accounts and inquires and they have been deleted from XXXX and Equifax but XXXX hasnt done so yet just placed extended fraud alert with closed account ( XXXX XXXX ). also one of the fraud account ( XXXX XXXX ) had late payments report after the fact of me sending the ftc report in and the account being closed and removed. I have called and faxed over my ftc report XXXX XXXX was removed then put back on with late payments and XXXX XXXX was removed from XXXX and Equifax but just says closed on XXXX they still haven't updated it. please remove the late payment from XXXX XXXX account and remove account closed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: DISCOVER BANK
State: AZ

Complaint narrative:
Discover Financial Services is reporting each month that I am at 98 % of my credit limit, yet they charged off this account in XX/XX/2016. Discover sent me a tax statement that they sent to the Federal Government that states this amount is no longer on my account, yet they continue to report this to all three credit agencies every month. 

This has resulted in an incorrect reporting of my account to Discover. I do not have an open account with a balance at 98 % of my limit with Discover, they closed the account in 2016, and charged off the amount, receiving a credit on their Corporate taxes in the full amount they claim I still owe them each month. 

Discover is incorrectly reporting the status of this account, and it should be immediately changed. My credit report reflects again this month that my balance in 98 % of my limit. How can I be at 98 % of my credit limit when there is not longer an account open? How can Discover claim an amount that they charged off and received credit for by the Internal Revenue Service of the United States? 

I want Discover to change this notification to my credit report that states the amount was charged off in XX/XX/2016, and that there is no longer a balance owed on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im in the process of purchasing my home. My XXXX credit doesnt populate with my social security number for Experian. When I called on XX/XX/XXXX I was told it would be fixed in 3-5 days. Ct : supervisor XXXX - XXXX ticket : XXXX. I called again XX/XX/XXXX ct : XXXX was assured support ticket had been closed. All issues resolved. Attempted again XX/XX/XXXX to pull XXXX and again XXXX for my social. Called Experian again. First contact found the issue. Transferred me to customer service where the rep has instructed to upload : DL SS and proof of mailing address - all uploaded. And another wait for 3-5 days. Im about to lose my {$20000.00} escrow deposit and I still have no guarantee that my credit report issue will be resolved. When I requested a supervisor- I was left on hold for an 1 hour and 16 minutes because she didnt want to put a supervisor on the line. 
This is extremely frustrating because there is no one to complain to. No one wants to get the problem solved and XXXX cant close on my house without it. 
So who protects the little person????? 
Experian is where customer service goes to die. This is insanity and exasperating

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 2021-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Cash Net .com said I took out a loan online on XX/XX/XXXX in the amount of XXXX. I told them I did not. They did have some of my personal information some was right and some was wrong. The guy on the phone was very rude and hateful. 
Now XXXX XXXX XXXX ( number they called from XXXX ) is calling with the same information They said the money was deposited into a XXXX XXXX  account in my name with the last four digits of the account number. 
Both companies said they had reached out and sent notices by email but the email they had was not correct. 
I called XXXX XXXX on XX/XX/XXXX they confirmed i did not have an account with them and the account number I was given by XXXX did not exist. 
XXXX informed me I needed to pay the money or file a police report so I have spoke to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: MD

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: LEXISNEXIS
State: OH

Complaint narrative:
I XXXX XXXX XXXX 's privacy has been continuously violated. LEXISNEXIS has lied to me about verifying information that can not be verified. LEXISNEXIS did not conduct an investigation of consumers dispute pursuant to 15 USC 1681 ( a ) ( e ). [ The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. ]. Who was questioned about consumers " GENERAL REPUTATION, PERSONAL CHARACTERISTICS. what neighbors where interviewed? LEXISNEXIS is lying and knowingly and willingly violating consumers federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was previously in foreclosure proceedings in XXXX County Supreme Court, where I was represented by XXXX XXXX XXXX under Index No. XXXX. After negotiating with my bank, I received and executed a loan modification on XX/XX/2013. My lender was represented by a law firm called XXXX XXXX XXXX. On XX/XX/2013, all parties in the foreclosure case agreed by stipulation to discontinue the case because my loan had been modified. We filed the stipulation to discontinue with the clerk of the Court in XXXX County. On XX/XX/2013, we appeared in court to confirm that the matter was being discontinued, which in fact it was. 

I then proceeded to begin paying on my modified loan. However, I recently noticed that a charge for {$1700.00} began appearing on my monthly mortgage statements. Through XXXX XXXX XXXX, I sent an XXXX to my loan servicer seeking an explanation. They told me the charge was due to legal fees accrued by XXXX XXXX XXXX, and attached an invoice stating that the charges derived from a " bad faith Court directed hearing '' on XX/XX/2013, and covered correspondence, preparation of a witness, and an attorney 's appearance. However, there was no such hearing, as all parties had signed a stipulation to discontinue the case as of XX/XX/2013. XXXX issued an invoice for services it never rendered for a case that had already been discontinued without a " bad faith hearing. '' The XXXX firm has been targeted by federal law enforcement for systematically overbilling XXXX and XXXX lenders for foreclosure-related expenses, and my loan is a XXXX XXXX loan . The fact that my lender is now trying to pass off these fraudulent bills onto my account shows that this practice continues to harm borrowers like myself, and I want this charge removed from my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION
State: FL

Complaint narrative:
My interest only payment plan ended without my knowledge, and my payments skyrocketed to an enormous amount. I only make so much money, and this is getting ridiculous. The employee I spoke to also took issue with me taking his information to apply to this complaint, which means they do not know how to handle criticism either. 
Name : XXXX XXXX number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have a mortgage through XXXX. I am not late on this account and never have been. Loan origination date is XX/XX/XXXX. I filed bankruptcy a few years ago and it was discharged in XX/XX/XXXX. 

When the bankruptcy was discharged, XXXX stopped reporting my payments on the mortgage to the credit bureaus and has set the status of the mortgage account to closed. Consequently, I am not getting 'credited ' on my FICA score because this account shows as closed rather than being open, current, and never late. 

I've tried to get XXXX to report this mortgage to the credit bureaus and they have refused. I've asked several times, written them three times, my bankruptcy attorney provided documentation to XXXX about the discharge and yet, XXXX continues to refuse to report this activity. 

This is creating obvious issues with FICA scores as well as ongoing finance health. 

I've attached copies of the discharge from XX/XX/XXXX and the latest mortgage loan statement. 

Can something be done about this?

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 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
Arcadia Recovery Bureau keeps calling me and leaving messages despite nothing being owed to them and nothing in collections on my credit report, they won't tell me what the collection is for because I refuse to give them my personal information to verify. They called me again at XXXX so I called them back and the first rep I spoke to said that they didn't call me today and as I was telling them I don't want any additional contact or I would report them, she hung up me midsentence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: MI

Complaint narrative:
I am asking for CFPB employees to assist in getting to the bottom of this wrong information that could lead to the stealing of my loan3 dated XXXX from XXXX  mortgage and my property XXXX XXXX XXXX XXXX, mi XXXX. Under file number of transunion XXXX dated XX/XX/XXXX. That there was some kind of business that hit my credit from XXXX XXXX ( not me ) and I believe it was scam XXXX XXXX XXXX came and ask me to move out in XX/XX/XXXX and possibly using my name and this action came up XX/XX/XXXX on my credit report. 

Shows an written authorization on XX/XX/XXXX taken place under XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ca XXXX XXXX XXXX. 

Please look into this because when I brought this up to XXXX XXXX attorney XXXX XXXX XXXX that this was his client using my name he did not deny it and just said he had nothing to do with that.

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 2021-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid off my auto loan on XX/XX/2021 as required. The payment I submitted was before the 30 day mark because I was told I needed to pay it in full. However, on XXXX XXXX, I received an alert from XXXX that Capital One noted the account as 30 days overdue which caused my credit score to plummet 24 points. I reached out to Capital One and XXXX but no one wants to rectify the error. I was not late but Capital One marked me as late. The investigation by XXXX said that they updated the account and the account was accurate but this is not true because my pay status currently shows the account was paid, closed and was 30 days past due. XXXX states the Original Charge Off was updated although there should have never been a charge off. Per XXXX 's product, this error has caused my score to drop. XXXX is not acknowledging their own credit reporting products and if they are useful tools to the consumer, XXXX should be able to assist the consumer. This has affected my ability to secure a better rate as I start the homebuying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I got a credit from XXXX  in the amount of XXXX dollars and the merchant and merchants bank told me they released the funds to my bank and my bank wont take off the hold so my bank has stolen my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover Credit Services has submitted a legal tax document to the Federal Government that states a debt they allege I owe, was " Cancelled. '' In spite of this notification to IRS, Discover continued to try and collect this debt from me. Every month Discover Credit Services notifies all three of the Credit Agencies that I am at 98 % of my credit limit. Incorrectly reporting this status, while telling a Federal Agency that they cancelled the debt. This is a violation of Federal Statute. I have enclosed the Statement that Discover sent to The Department of the Treasury, Internal Revenue Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to LACK OF RESPONSE from TRANSWORLD SYSTEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: FL

Complaint narrative:
When I opened this account on XX/XX/2021, it was explained to me by XXXX XXXX on the phone that in order to receive their promo offer, we had to keep a minimum of {$200000.00} in the account for 60 days and then the promo of {$1500.00} would be deposited to the account within the following 30 days ( end of the committment ). That is the way I understood it as well from the print on their website outlining the requirements. I also saved screenshots from that day. 

However, when we called today, 3 months after our account was funded ( and maintained ) with {$220000.00} on deposit, asking why we did not receive our promo deposit, we were told differently : The first person we spoke to said you have to wait 90 additional days, but you can withdraw your money as long as the account stays open. 

Still confused, since we opened the account under a different promise from XXXX XXXX, we spoke to another person at the bank that said differently. He said : no, you have to keep at least {$200000.00} in the account for an additional 90 days and you can not withdraw it and leave the account open to be eligible for the promo bonus. 

Nowhere in the requirements did it mention this being a 5 or 6 month commitment. I took a screenshot of the requirements after opening the account and it implies that it is a 3 month committment. 

My husband and I just want to be done with Citibank forever after they put me through 12 weeks of agony, lost sleep and ruined my credit rating freezing my account for 11 weeks for no valid reason ; sending them 12 forms of ID just to open a saving account, but after what they put me through, no way will I allow them to bait and switch me on their offer, with their unclear contradictory requirements. 

I come from a mortgage banking background where clear and fair disclosure is part of basic compliance. Their disclosures both verbally, and in print are very unclear and their associates contradict each other when we call by phone. 

Regardless of the 3 opposing sets of requirements from 3 different Citibank employees, my husband XXXX XXXX and I just want the bonus offer that was promised to us by XXXX XXXX on the day the two Citigold accounts were opened. 

They may have changed their rules after we opened our account, therefore I can provide screenshots of the requirements from the day the accounts were opened. 

Since they record all of their phone calls, hopefully they can find the recording from the date the account was opened between me and XXXX XXXX where he explained it would only be a 60 day requirement to have a minimum of {$200000.00} on deposit in each account, but to leave the account open for an additional 30 days to receive the promo offer. We would have never opened the accounts if we knew this was untrue.

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