vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 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: CA

Complaint narrative:
On XX/XX/2020, I discovered fraudulent entries on my credit report and took action immediately by contacting all credit card and loan companies involved, as well as the police, the Federal Trade Commission, and all the credit bureaus. Equifax told me that a hard inquiry on my credit report by XXXX XXXX will be removed from my account when XXXX XXXX informs Equifax that the entry is fraudulent. 
On XX/XX/2020, XXXX XXXX 's Customer Fraud Protection Agent XXXX sent me a letter stating, " I've sent updated information to the credit bureaus for them to remove this XXXX XXXX account from your credit file '' ( Letter attached ). 
I followed up with Equifax in XX/XX/2020 and was told it can take up to 60 days for the hard inquiries ' removal to reflect on my credit report, be patient. After 90 days passed, on XX/XX/2020, I followed up with Equifax again, and spoke with Customer Service Representative Clark and Equifax Fraud Department Representative XXXX. XXXX said Equifax would have taken action if XXXX XXXX sent information to Equifax that the entry is fraudulent. XXXX confirmed the hard inquiry still shows on my credit report, which XXXX said means XXXX XXXX never sent the information to Equifax. I again called XXXX XXXX, and XXXX XXXX again reiterated that they sent the information to all three credit bureaus as stated in XXXX. Equifax and XXXX XXXX agree that XXXX XXXX is a well-established company that knows how to properly send information. Yet Equifax insists that XXXX XXXX somehow failed to send the information, while XXXX XXXX insists they did sent it. Also, from checking my account on all three bureaus, XXXX evidently received the info and took action, but Equifax did not. XXXX XXXX said they send information to all three credit bureaus the same way at the same time, so XXXX  's action proves the info was indeed sent. I called Equifax back on the same day to communicate what XXXX XXXX again confirmed, but Equifax continued to deny that they ever received such information. 
Attached with this complaint is the letter from XXXX XXXX from XX/XX/2020, and a screenshot from the Equifax website showing the hard inquiry is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: NY

Complaint narrative:
as previously notified I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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:
Hurricane Harvey flooded my home in XX/XX/XXXX. Several months afterward, my XXXX  credit report noted a XXXX account was 120 days late. I first discovered the adverse information in XX/XX/XXXX, in reviewing my credit in anticipation of applying for a construction loan. 

On XX/XX/XXXX, I disputed the XXXX and other adverse information by letter sent certified mail, return receipt requested, to Experian. My proof is attached. On XX/XX/XXXX, Experian received the letter. The USPS delivery information is attached. 

On XX/XX/XXXX, I called Experian at XXXX and talked to XXXX. She denied receipt of my XX/XX/XXXX letter, accepted my call as a new complaint, asserted the right to another 30 days before responding, and refused to look for my original complaint. 

On XX/XX/XXXX, I called Experian again at XXXX, but this time with my proof of delivery in hand. I talked to XXXX, who denied receipt of the letter, mocked me when I offered the delivery information, refused to research my original complaint and hung up on me. I called back, and talked to XXXX, who connected us to XXXX, which refused to talk to us. XXXX asserted the right to 30 days from XX/XX/XXXX before responding. 

My letter 's proof and delivery information is attached as file XXXX doc XXXX FTC - Experian complaint support.

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 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
About XX/XX/2020 I received a letter from my homeowners insurance payment was delinquent and that my insurance was going to be cancelled. I promptly called XXXX and asked why I was receiving this letter, wasnt that supposed to be paid through the escrow account, and the representative assured me that the payment would be sent next day air to avoid cancellation. That did not happen. 
About XX/XX/2020 I received a telephone call from my insurance broker telling me that my insurance had been cancelled due to nonpayment. I again called XXXX and requested to speak to a supervisor. I did not receive a call back. According to my insurance broker, the insurance company received the payment from XXXX after they has already cancelled the policy. I purchased replacement insurance that same day. I called XXXX back and I verbally requested that my escrow account be closed. I called on XX/XX/2020 and spoke with XXXX to check on the refund of my escrow account and he told me the request had to be done in writing. He provided an email to send the letter to. I again asked to speak to a supervisor. I received no return call. 
Then I receive an email that says I had to submit the letter through the website. I did so immediately. A letter from XXXX dated XX/XX/XXXX states that my hazard insurance is expiring. That is incorrect because I paid for a new hazard insurance policy. I again called and was told that there would be a resolution by XX/XX/2020. I again asked to speak to a supervisor. I received no call back. 
According to the XXXX website, when I check my account, the hazard insurance expired on XX/XX/2020. The letter stated that they were going to charge me, for the insurance that I did not have because of the irresponsibility of the escrow department at XXXX which caused my insurance to be cancelled in the first place. I called XXXX and a representative assured me I would not be charged. I asked to speak to a supervisor. I received no call back. 
On XX/XX/2020 I called and spoke with XXXX. She again assured me that I would not be charged and that she or a supervisor would call be back by XX/XX/2020. No call ever came. On a letter dated XX/XX/2020 XXXX stated that my case is under review. 
On XX/XX/2020 I called XXXX to check on the status of my case and was promised a call back. XXXX removed money out of my escrow account, for the insurance that I did not have because of their incompetency. I called XXXX the representative would not refund the money and would not transfer me to a supervisor. XXXX is an unresponsive, irresponsible and incompetent company. I would like my escrow funds returned. Including the funds they removed to cover their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My mortgage was sold from XXXX to XXXX XXXX ( XXXX ) on XXXX XX/XX/XXXX and XXXX XXXX failed to honor the original terms of the mortgage. When my loan was with XXXX, it was covered with SCRA credit reporting suppression ; however, XXXX XXXX failed to honor this coverage and disregarded my original coverage. I am XXXX XXXX XXXX XXXX and XXXX XXXX ( moved from XXXX to XXXX ) and during the COVID they still reported late payments to the credit bureaus, even though i notified them in XX/XX/XXXX that i was selling the home and asked for the COVID forbearance. However, the main issue is that my mortgage was protected from credit bureau reporting per my XXXX XXXX assistance.

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 2020-09-23 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 with product or service terms changing
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My mortgage was sold from XXXX to XXXX XXXX ( XXXX ) on XXXX XX/XX/XXXX and XXXX XXXX failed to honor the original terms of the mortgage. When my loan was with XXXX, it was covered with SCRA credit reporting suppression ; however, XXXX XXXX failed to honor this coverage and disregarded my original coverage. I am XXXX XXXX XXXX XXXX and XXXX XXXX ( moved from XXXX to XXXX ) and during the COVID they still reported late payments to the credit bureaus, even though i notified them in XX/XX/XXXX that i was selling the home and asked for the COVID forbearance. However, the main issue is that my mortgage was protected from credit bureau reporting per my XXXX SCRA assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 with product or service terms changing
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My mortgage was sold from XXXX to XXXX XXXX ( XXXX ) on XXXX XX/XX/XXXX and XXXX XXXX failed to honor the original terms of the mortgage. When my loan was with XXXX, it was covered with XXXX credit reporting suppression ; however, XXXX XXXX failed to honor this coverage and disregarded my original coverage. I am XXXX XXXX XXXX XXXX and XXXX XXXX ( moved from XXXX to XXXX ) and during the COVID they still reported late payments to the credit bureaus, even though i notified them in XX/XX/XXXX that i was selling the home and asked for the COVID forbearance. However, the main issue is that my mortgage was protected from credit bureau reporting per my XXXX XXXX assistance.

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 2020-09-23 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: CA

Complaint narrative:
Unauthorized inquiries data from a dates from XXXX t0 XX/XX/20.

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 2020-09-23 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: CA

Complaint narrative:
Unauthorized inquiries data from a dates from XXXX t0 XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XX/XX/2020 - I faxed a letter to National Credit Adjusters , LLC, Attn. : XXXX XXXX, XXXX XXXX XXXX XXXX., XXXX, KS XXXX concerning Re : Acct # XXXX ( as shown on my credit reports with all 3 bureaus ). 

The letter ( which I have attached ) was addressing an account National Credit Adjusters , LLC has placed on my credit reports after that had been previously removed from my credit reports as not being valid. 

XX/XX/2020 - National Credit Adjusters , LLC closed the account on my XXXX  credit report, but it still shows a balance owed reporting of {$670.00}. Their entry on my credit report should, by law, be removed permanently from my credit report ( s ). 

XX/XX/2020 As of the date of this complaint ( today ), the accounts are still reporting as open and owed on both my XXXX  and XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Opened a checking account around XX/XX/2020 based on a {$300.00} cash bonus for meeting certain requirements. Terms of the requirements are below : 1 The qualifying Direct Deposit ( s )  must be received within the first 60 days of account opening. Your checking account must remain open in order for you to receive the reward, which will be credited to the eligible account within 6090 days after all conditions have been met and will be identified as " Cash Trans Promo Reward '' or " Credits Promo Reward '' on your monthly statement. 

2 A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select. The total amount of all qualifying Direct Deposits credited to your checking account must be at least {$5000.00} for Virtual Wallet with Performance Select. Credit card cash advance transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as qualifying Direct Deposits. 

Terms met on XX/XX/2020 and received email acknowledgement from PNC Bank that the required direct deposits had been received. 

When the cash bonus was not paid out by the specified time, I reached out to PNC Bank on XX/XX/2020 via online chat. When I inquired why the cash bonus was not paid out I was told I had not met the requirements and quoted different terms and conditions than previously received in writing. 

I explained in detail that the terms quoted were incorrect and was told a dispute was opened and that I would receive a response within 10 business days. The Bank failed to respond in the specified time. 

Summary : I met the requirements of the bonus, as specified at the time the account was opened, and PNC failed to pay out the bonus. When I followed up, PNC quoted terms that were materially different that the language provided at account opening. PNC also failed to respond with the specified time period that they had established.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I have been citi credit card loyal customer since 2018. 
Recently, I opened a dispute against fraudulent charge made by a merchant who already has been reported to XXXX XXXX XXXX due to scam involved on online shopping. This merchant who has currently taken down their online website which used to be XXXX, and have been officially alerted by numerous people on XXXX XXXX XXXX has gotten my money and got away with such crime. And citi did nothing to protect me. I am appalled such a big bank like citi would stoop this low and strip off my confidence I had on their credit card fraud protection team. 
I have contacted citi dispute center and reported the issue and provided proofs in writing. Despite all my efforts and waiting patiently for almost 3 months, citi found it easy to close my dispute in the scammers favor instead. I am disappointed by the poorly trained and unhelpful customer service team at citi and I will be closing my citi credit card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TN

Complaint narrative:
on XX/XX/XXXX, I.C Systems INC reported to the credit bureaus XXXX and XXXX  that I have a debt from XXXX. Which is completely false and inaccurate. I sent a letter to them on XX/XX/XXXX and bureau asking their method of verification and they could not provide the facts. In writing I ask them to provide the vadilty of this debt. XXXX  wrote back on XX/XX/XXXX saying it's verified but failed to show proof of this debt to me. They LIED and did not attempt to verify this debt. I am requesting this debt collection be removed from my files.

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 2020-09-23 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I have a loan with Jpmcb - Card Service, XX/XX/XXXX and Us Department Of Edu. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XX/XX/XXXX, Jpmcb - Card Service, XX/XX/XXXX, and Us Department Of Edu with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
on XX/XX/XXXX, XXXX XXXX XXXX reported to the credit bureau Experian that I have a debt from XXXX. Which is completely false and inaccurate. I sent a letter to them on XX/XX/XXXX and bureau asking their method of verification and they could not provide the facts. In writing I ask them to provide the vadilty of this debt. Experian wrote back on XX/XX/XXXX saying it's verified but failed to show proof of this debt to me. They LIED and did not attempt to verify this debt. I am requesting this debt collection be removed from my files. I need to see name of person they spoke with and documentation used to verify this account. I do not trust that within 7 days they verified this debt.

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 2020-09-23 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: AL

Complaint narrative:
I contacted Eperian explaining to them that I did not apply to these companies and did not give anyone permission to review my check. Requesting them to please delete these inquires XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  USA , XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX  Their response was We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. I sent the complaint and asking again that these inquires be 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 2020-09-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation
State: CA

Complaint narrative:
My student loans are in default but I have had a wage garnishment that has been paid every 2 weeks for 6 years. Although the CAREs act suspended collection Performant Recovery continued to collect wage garnishments bi-weekly until I filed a complaint in XXXX regarding their contacting a coworker. The garnishments stopped without notice. Recently HR returned a payment to me from XX/XX/2020 that was returned by Performant Recovery to HR. In compliance with the Cares Act is Performant Recovery required to return all payment received between XX/XX/2020 and XXXX 2020? I continue to receive weekly calls from Performant Recovery in effort to collect a debt. Please advise what next steps should be.

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 2020-09-23 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: TX

Complaint narrative:
I have informed Transunion that 2 accounts on my credit file XXXX/XXXX  in the amount of {$1500.00} and {$1000.00} do not belong to me. I have sent Transunion a copy stating that I had nothing to do with these transactions and have not benefited from them at all. I have notified Transunion that the information is a result of identity theft, I have filed an identity theft report and gave Transunion a copy, I have provided a statement that the information relating to any transaction concerning the above mention account is not related to me. Yet Transunion failed to block this information and investigate.

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