vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX that was paid off and closed in XX/XX/XXXX. Experian was still showing this account as open with a balance. On XX/XX/XXXX, I opened a dispute with Experian saying that the mortgage had been paid in full. I provided a letter from my mortgage company saying the same. I asked that the report be updated to closed and paid in full. 

After a month, I received a notice that my dispute had been resolved on XX/XX/XXXX. Instead of updating my account status, Experian deleted the mortgage off my credit report completely and my score dropped a significant amount. I tried to reopen the dispute that day, but Experian has not returned any contact. 

Ive since contacted the mortgage company and they said that they would update through eOSCAR, but I have yet to see anything corrected on my credit report. Experian has been non-responsive and its been extremely frustrating to get in contact with anyone to get this corrected.

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 2020-07-07 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: TX

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: U.S. BANCORP
State: FL

Complaint narrative:
The credit card company ( XXXX ) states they decreased my balance because XXXX, stated " The primary reason provide by XXXX   which impacted our decision were : Serious delinquency '' I immediately, checked my XXXX  report, and there is NO DELINQUENCIIES. 

I called XXXX Credit Card company XXXX and XXXX and they stated that XXXX  did report the above statement. But XXXX  states they did Not report that statement. 

I received a decrease because XXXX fraudulently stated the above.

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 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I applied with XXXX  XXXX of XXXX California for a loan of {$170000.00} at an annual interest rate of 2-7/8 % to refinance my existing home loan and fold in an existing Home Equity Line of Credit. During the processing of the loan the loan officer, Mr XXXX XXXX, overstated my outstanding debts and understated my income. Specifically, he included as a debt an annual one-time XXXX XXXX membership fee of {$95.00} as a monthly debt, manufactured a mandatory monthly homeowner association fee of {$60.00} per month ( there is none ) without consulting me, inflated a small credit card debt of {$74.00} to be a monthly debt and used a gas credit card debt which is paid monthly as other debt. 

With regard to income, he listed on XXXX XXXX  form 1003 income from a commercial building I own ( with partners ) as a residential 2-4 unit  building and a separate condo I own as another residential 2-4 plex. As reported on my XXXX federal tax return my total XXXX income was {$3400.00} per month while Mr XXXX listed it as {$2200.00} per month, a discount of over 33 %. In addition, Mr XXXX refused to include my federal Required Minimum Disbursement from my IRA, saying it wasn't appropriate. For XXXX this is {$8300.00}. As a result of these shenanigans Mr XXXX increased my interest rate by 1/4 % to 3-1/8 %. He also required that a car loan of {$3400.00} ( at 0.9 % annual interest with only 16 months to go ) be paid off. He then raised the loan amount to {$170000.00}. 

Unfortunately I never had a chance to review the loan application before closing. Loan documents were drawn three times by the escrow company, with the first two times having the name of the borrower ( me ) incorrect. These documents were returned to the escrow company without a review. The third time the mobile notary public was pressed for time and hurried me through the signing, not giving me a chance to review the documents. I only discovered these discrepancies later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2020, I applied for a home refinance with Citizens One Home Loans. My loan officer is XXXX XXXX at XXXX. I went through all the pre-qualifying needed including the questions, credit check, income verification and all the forms needed. I was told this could take up to 60 days. XX/XX/2020 I received an alert that additional documents were needed. They requested discharge papers from a previous Chapter XXXX bankruptcy, " bankruptcy papers '' and a paper regarding a previous judgement on my wife, who is NOT on the mortgage but is on the title from a department store credit card from over 10 years ago. When I called and emailed about what bankruptcy papers they needed, XXXX, XXXX XXXX and XXXX XXXX could not give a a direct answer. I explained to them the file was about 400 pages and asked repeatedly what part did they need! For 3 weeks, my calls ans emails to all 3 of them were left unanswered. I sent them the discharge papers as requested, but had no other info to provide on the judgement and had no idea what bankruptcy papers they needed. One a bankruptcy is discharged, my attorney said I do not need to provide other records due to privacy. I contacted one of their competitors, and they were able to take a guess as to which documents from bankruptcy they needed. It was at that time I left XXXX another message which was returned in 30 minutes because I went to a competitor. This led to me being called by his manager, XXXX XXXX at XXXX. XXXX was able to get us back on track to some degree, but told me I had to pay off the judgement on my wife. I called and negotiated with them and XXXX assured me if they had until XX/XX/XXXX, he could arrange the funds be included in my refi and paid at settlement. Then the delay tactics started again. They again requested another 4505T form that I had previously filled out asking for certain years of tax returns. I got him that document and a few others and again, waited. As of today, XX/XX/XXXX, They are all collectively not returning emails or phone calls. I am running out of time to make the payment on the judgement, and they have wasted over 2 months of my time. They cornered me and said during this process I can not apply for a car loan, I cant have my credit checked by another bank, meaning I cant even try to refi with another bank and not to make any big purchases. I personally feel discriminated against due to my past financial problems and possibly other reasons. There is no reason for this. I am borrowing less than half of the home 's value, I have great credit and have been discharged from bankruptcy over 2 years. I feel they are purposely avoiding me, losing my documents and not giving me simple answers. PLEASE HELP! I want them called on my behalf and I want answers and I want to know what my rights are here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX 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 2020-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX 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 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A company called XXXX XXXX XXXX has been charging my account for 7 months in the amount of {$36.00} totaling {$250.00} I have submitted this to the fraud dept of bank of america, but as this company sent back a response with nothing more than my info that they had on file to charge me, bank of america is denying claim. I have escalated this claim and no response as of yet. 
Also and email attempts and or phone call attempts go unanswered when I try to contact this company. 
I don't know this company, have never given them my info, and it has been obtained thru fraud that any charges ever went through to this company. They havs my wrong address and wrong phone # that I have had for over 2 years and the address they listed was from about 10 years ago. 
XXXX is the # they have listed, when you call it automatically hangs up. 
XXXX goes unanswered.

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 2020-07-07 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

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 2020-07-07 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: GA

Complaint narrative:
My account with capital one was closed in XXXX of 2020 by capital one with NO BALANCE. In XXXX of 2020 a disputed charge was added back to the account and I was not made aware of it. The account began to accrue interest as well as late fees. The account has now been marked 30 days past due even though I have never been late on this card. It now shows on my credit report as closed as of XX/XX/2020 its in collections when CAPITAL ONE has NEVER attempted to contact me to inform me that a dispute was added back to my account. They stated they mailed out statements to an incorrect address. Ive lived at the same address for over 5 years and have never changed my address with capital one. How ironic is it that when my account is closed and money is owed you guys tell me I changed my address so you had no way of contacting me! I had no access to online banking they restricted access in XXXX of 2020 I just regained access XX/XX/2020. So there was no way for me to get a fair chance at paying this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I reviewed my credit report and found the Collection Bureau of America reported a collection to my XXXX credit report on behalf of the University Of The XXXXXXXX without properly notifying me at first. I requested validation and received a letter and a statement. They did not give me all of the information as required by federal law. I explained to the University of the XXXX many times that this debt should have been filed as an insurance claim through XXXX XXXX. I had insurance. I contacted XXXX XXXX and they informed me they never received a claim from this organization. I never received any letters as an attempt to collect a debt from the The Collection Bureau of America.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
True North has collected on a medical debt that was closed out with a XXXX balance on XX/XX/XXXX, Proof enclosed in documentation. This company has been harassing me since XXXX and I filed a complaint through the attorney generals office back in XXXX where they have tried to collect on my husband and my acct through a levy. After attorney generals office sent them a letter my credit was updated and the removal from the judgement was off my husband and my credit as well as I received a XXXX  out balance letter. The original creditor " XXXX XXXX of XXXX XXXX '' did not bill the correct insurance and I also was covered by state insurance. This error was strictly on there part and due to time they were unable to submit claim and billed me even though I was on a state covered medical assistance program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: CITIBANK, N.A.
State: IA

Complaint narrative:
I have 3 late payments that have shown up on my XXXX credit report for Citbank/CBNA. After many hours of attempting to contact Citibank ( roughly 6 hours over the course of 2 months on the phone ). No one can find my account-I am glad to pay if this is accurate, but no one at Citibank is able to find my account by SS #, name, DOB or  phone number. The only information contained in the credit report is the first 6 numbers of the account and that I am now past due {$120.00}. I have disputed this 2x with XXXX and both times have come back stating that this is a legitimate past due acct. The dates of the disputes are XX/XX/2020 and XX/XX/2020. Today XX/XX/2020 I was on the phone with Citicards for 2 hours and I was hung up on twice and transferred 4 times and still no one can find this account. This is just one example of the amount of time I have invested in trying to get this resolved.

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 2020-07-07 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: PA

Complaint narrative:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

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 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I would like to do around up service with XXXX but I am not being allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: ID

Complaint narrative:
On XX/XX/XXXX I purchased a care package ( {$82.00} ) for my son that is XXXX from XXXX XXXX XXXX ( see uploaded photo ) -- the package was to be delivered on XX/XX/14, when the pkg did not arrive I checked the web site and it said " delivery in process '' -- over the next several weeks I would get the same message, I finally called the number and the message says it is no longer in service, I located another number on the webpage and spoke with XXXX XXXX XXXX and was told the XXXX XXXX XXXX is a " fraud '' -- I then contacted my bank, US Bank, the institution that issued my debit card and was told that I needed to call the number on the back of the card XXXX, I tried calling this number over 5 days at all times of the day and night and no one ever answered, I then went to my bank and tried to speak with the branch manager,  she referred me to their fraud department and I was told that they are not going to help as I had to speak with Reliacard ( number on back of debit card ) I let them know that I have not been able to reach them but they refused to help me any further, I then contacted the Idaho Unemployment office and was told they have no way to contact Reliacard and can not help, I called VISA and they also said I have to speak with Reliacard, I again repeated that Reliacard is not answering their calls, I called the FDIC and they referred me to  the Federal Trade Commission, the Federal Trade commission referred me to the Consumer Finance Protection Bureau, I've filed complaints with the XXXX in Florida where the company is that billed and was paid by my bank US BANK from my debit card, I also filed a complaint with the XXXX in Idaho against US Bank for not helping me -- there is no physical address for Reliacard other than US Bank and they refuse to help. I checked online and see multiple complaints and concerns regarding the USBank Reliacard and their  unresponsiveness to the complaints, something has to be done to help the consumer and have the big corporations like US Bank actually address the complaints.

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 2020-07-07 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

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 2020-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MD

Complaint narrative:
This company is trying to collect a debt i paid and it was 10 years ago. They won't supply me with the documentation that I asked for from the original creditor. This debt was paid and has reached its statue of limitations.

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

Complaint narrative:
My account with XXXX XXXX was closed in XXXX of 2020 by XXXX  XXXX with NO BALANCE. In XXXX of 2020 a disputed charge was added back to the account and I was not made aware of it. The account began to accrue interest as well as late fees. The account has now been marked 30 days past due even though I have never been late on this card. It now shows on my credit report as closed as of XX/XX/2020 its in collections when XXXX XXXX has NEVER attempted to contact me to inform me that a dispute was added back to my account. They stated they mailed out statements to an incorrect address. Ive lived at the same address for over 5 years and have never changed my address with XXXX  XXXX. How ironic is it that when my account is closed and money is owed you guys tell me I changed my address so you had no way of contacting me! I had no access to online banking they restricted access in XXXX of 2020 I just regained access XX/XX/2020. So there was no way for me to get a fair chance at paying this balance.

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