vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-24 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: FL

Complaint narrative:
On XX/XX/2020, I sent letters to the consumer credit reporting bureaus regarding inaccurate and unknown information on my consumer credit reports. I have not yet received a response even though it has been over 30 days. I feel as if I'm being taken advantage of and my disputes are being ignored. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties, my reputation and creditworthiness are being damaged. Section 611 ( a ) ( 5 ) ( A ) ( i ) in the FCRA clearly states that a failure to investigate the items being disputed within 30 days and provide the information I have requested gives reason to immediately remove those items from my credit report. It is now over 30 days and the items in question should be promptly deleted from my credit report. I demand that these erroneous items are deleted immediately from my credit reports or I will file for litigation due to the stress that I have endured and their failure to comply with the FCRA. My information has been impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a request to remove address due to this is not my address and Equifax agree to remove it and they continue to report the address I asked to be removed. And I'm unable to pull my credit report. I want a updated Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: CAC Financial Corp
State: FL

Complaint narrative:
CAC FINANIAL CORP ( opened XXXX. XXXX, 2020 ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX my bill for account SYNCB/LOWES ( opened XXXX. XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2021-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Every single day I am spammed with at least 15 phone calls a day from this number including unknown callers. It is non stop and its all over a {$300.00} balance. Please stop it. I work sales and can't have my phone going off every 30 minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I reach out to my mortgage company New American Funding about my financial hardship they advised me to fill out a ( RMA ) Request for Mortgage Assistance Application, I sent in the application XX/XX/XXXX and I was ( Denied ) for all work out options. 
I tried calling XXXX XXXX left several messages and their was no response back, I was able to speak with a home retention supervisor to get a explanation on the denial, she disclosed to us the Loan Modification was denied because I had a previous Loan Modification within the past 24 months, she advised that if I would like to fill out and send another ( RMA ) I would be past the 24 month seasoning period and she said they should approve your modification basis on your facts. I sent another ( RMA ) in XX/XX/XXXX and I received another denial letter for all work out options. Under the Loan Modification column they checked off ( Other ) with a explanation that was not fully completed. We called on XX/XX/XXXX to get a explanation on the denial we reach out to XXXX XXXX no answer on her direct line, we spoke with a agent at home retention department he explained to us the Mod. was denied for having a FHA claim paid with 3 years. That does not disqualify me from obtaining a loan modification according to FHA/HUD guidelines, FHA/HUD guidelines are 2 years seasoning period.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: SC

Complaint narrative:
I received two prepaid cards in the amount of {$10.00} each for donatingXX/XX/XXXXwith the XX/XX/XXXX. I acknowledge that it is my fault for not reading the fine print that there are fees associated with prepaid cards unlike gift cards and that they have expiration dates. However one of the cards still has a balance of {$6.00}. The company my prepaid center.com issues cards through XXXX XXXX. The card itself states on the front that funds do not expire and on the website it states that if you call you can speak to customer service about having remaining funds issued to you. There is no way to contact them through the website and their phone service is automated, so this is an untrue statement. I acknowledge that {$6.00} is a small sum, but I am sure that there are customers with larger sums and each consumer should have access to clear information and a way to withdraw funds that still belong to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Complaint XXXX was submitted to the CFPB on XX/XX/XXXX. It is understood the Fair Credit Reporting Act XXXX FCRA XXXX requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. 

TransUnion response XX/XX/XXXX to XXXX in part was : We will follow-up with you within sixty 60 days Upon phoning XXXX XX/XX/XXXXXX/XX/XXXX employee # XXXX confirmed the existence of verified records provided by XXXX but refused provision of these business records relating to transactions and accounts. Attached is USPS ( not emailed as repeatedly requested ), received XX/XX/XXXX TransUnions 5 page XX/XX/XXXX, same day response, again concealing from me and CFPB copies of applications and other business records relating to transactions and accounts. TransUnion has been repeatedly, in writing, requested for 187 days to provide applications and all other business records relating to fraudulent XX/XX/XXXX # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX transactions and accounts. 

On XX/XX/XXXX page 4 TransUnion clearly acknowledges the disputed item was verified as accurate TransUnion is an eager accomplice to Nissans fraud. As I never had the vehicle, never register the vehicle to surrender, TransUnion, to avoid additional damages, please email XXXX all business records justifying your fraud participation : Disp Invg Comp-Rpt by Grntr : Payment Deferred : Voluntary Surrender. 

Please ASAP provide all documents/records by return email to 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 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE ASKED FOR THESE ITEMS TO BE REMOVED 4 TIMES. the INFORMATION IS NOT REPORTED CORRECTLY

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 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE ASKED FOR THESE ITEMS TO BE REMOVED 4 TIMES. the INFORMATION IS NOT REPORTED CORRECTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Original fraudulent charge was on XX/XX/XXXX. I got an immediate notification in real time of the charge. It was from XXXX XXXX for {$1400.00}. I call Apple and Goldman Sachs ( its an AppleCard which goes through GS bank ), they change the card number immediately. While on the phone with them, the fraudster then tried to charge the same thing again, of course it was declined. I feel like it should have been dropped just based on this, but no, it is STILL ongoing 4 months later! 

I then contact XXXX XXXX, who direct me to contact my bank XXXX again XXXX, there is nothing they can do on their end apparently. Especially 4 months later now. I don't know why they couldn't just cancel the order and refund me, knowing it was a fraudulent charge. Since then I've talked to XXXX XXXX 3 to 4 times. I've tried to get the IP addresses of where the orders where made from. They informed me they can't provide that information, even though Goldman Sachs has stated on the phone that XXXX XXXX has provided the IP addresses to them. All I know is it was to a football game, the date of the game and the section of the seats. Thats all I have! 

Since then I sent them all the 'evidence ' I could find, including my conversation with seat geek, I have also done some digging and found that 95 % of fans in the crowd were cardboard cutouts, I also cross referenced the section and row in question, found a live stream of the game and attached screenshots.. I obviously wasn't there, so they can have fun trying to find me. I've talked to reps from GS for hours now, over the course of the 4 months, as well as convos with XXXX XXXX and Apple. 

It has now been disputed 4 times, I have never received the 'evidence ' GS says they have as to why they ruled in favor of the merchant other than a confirmation email. Well of course if the hackers got my CC number, they got my email, they are connected on the same account! So I'm not even sure how I'm supposed to defend myself. I'm not sure what real evidence they could have, as the charge is completely fraudulent, yet they never sent me any explanation. I'm not sure, but there should be laws against this. How can they not provide me what evidence they used in order to rule in favor of XXXX XXXX XXXX merchant )? Oh and the last time I spoke to GS, they said they have the XXXX address of the charge, yet they wouldn't tell me what it is. It's all very shady to me. 

The latest dispute was XX/XX/XXXX, and GS ruled in favor of the merchant a few days later. 
Now Goldman is telling me there is nothing they can do. I have reached out to Apple, and they now have a rep trying to help me. Thank god, as I don't know hat else I could do. I hope this all makes sense, please call me if you need clarification on anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX about the unauthorized account that appears on my credit report I request the following account to be delete and removed off my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX '' Open Date XX/XX/XXXX Amount {$260.00} Account XXXX .Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Equifax credit report due to my identity been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The XXXX XXXX address that is listed on my credit report - I have never resided at that residence. This item needs to be removed - there have been several instances in which I get asked security questions about this address as if I lived there. The other addresses that are listed are correct. I asked this items to be removed before and i dont believe it was fully removed. across all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Based on BMO Harris Bank 's promotion, I opened the checking account on XXXX and funded {$300.00} on XX/XX/XXXX. Then, in three consecutive months, my account was electronically deposited {$2600.00} every month as my payment, in total {$7500.00} the promotion required. I have completed everything they asked for, but I never receive the credit of {$350.00} as BMO Harris Bank promoted. 

XXXX, XXXX of XXXX I call them and my banked told me that I was supposed to see the credit soon. 

Weeks later, On XX/XX/XXXX, I had to call them again about my credit. The Lady answered my call checked My checking account again, said to me : I did see you have Direct deposit of {$2600.00} every month, and I will get this to promotion department and push this through the credit in your account. 

So far, I haven't received it. Obviously, they don't want to honor their promotion.

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 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
My Idenity was stolen back in 2017 and the person who stole it apply to many different apartments and now the apartment are try to go on my credit report as debts owed which I brought a house in 2017 XXXX dont need an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: IL

Complaint narrative:
I summited disputes on two companies, XXXX  XXXX XXXX and XXXX XXXX. The dates that they were summited is as follow, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I asked for the original copies of the contract on file with my signed signature. They are required by law to have these documents on file to verify this information. They had stated they verified these accounts. I want to know who verified these accounts? They also failed to provide the method of verification I had requested. If they can not provide these 3 items, I'm asking for both items to be deleted, as well as, {$1000.00} per item. I believe the law has been broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I requested measurements for a stormdoor from XXXX in XXXX TX almost 1 year ago. They told me I would have to pay for the measurements because some people end up buying from another company and because they use contractors to do the measurements. When I returned to the store after the measurements were done, the store refused to provide the measurements that I had already paid for with my XXXX credit card. I spoke with the store manager that said he would take care of the issue and either get me the measurements or have my card refunded. Neither happened. I disputed it with the credit card company. They came back several months later and added the charge back to my account. I contacted them again and the said I need to dispute it with the store. I told them that I did but they did not do anything. The credit card company put it in dispute again then several months later ( today ) it was taken out out of dispute and charges place back onto my account again with no communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My Sons name is on my credit report - it was recently added within the past week - this item is listed as another name i go by which is incorrect.

Company response to consumer: Closed with explanation