vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have an autopay set up for my credit card using a XXXX checking account, I recently switched my checking to XXXX XXXX so on XX/XX/XXXX I logged in my account Citi credit card account and I updated that XXXX account with my new XXXX XXXX Account. 
The reason I updated is obviously so my autopay will have a valid account to withdraw from. I have done my job and updated my file. Yet I have received a call from a Citi representative on XX/XX/XXXX saying that I was 30 day past due which was a complete shock to me! 
I have been a Citi card member since XX/XX/2008, I have NEVER been late on my payments, not with a Citi nor with any other bank. My credit speaks for itself. Since this incident I have suffered enormous emotional stress as I have worked hard for years to have an exceptional credit score and as a XXXX XXXX XXXX this 30 days late will have a seriously negative impact on my business. 
The 30 days passed due on my credit report is inaccurate so I am requesting that this item be removed immediately please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX   # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, TD BANK USA/TARGET CREDIT # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX / XXXXXXXX # XXXX, XXXX XXXX XXXXXXXX / XXXX # XXXX, XXXX XXXX XXXX /  XXXX # XXXXXXXX XXXX XXXX XXXX / XXXX # XXXX, XXXX XXXX XXXX /  XXXX # XXXX, XXXX XXXX  XXXX / XXXX # XXXX, XXXX XXXX XXXX / XXXXXXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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:
My Identity have been used without my consent to open fraudulent accounts I have not authorize anyone to use my Personal Information. I'm highly upset that someone would try to destroy me. please help me to resolve this situation. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Ive frozen my credit report with XXXX and XXXX with no problem. Trying to accomplish a freeze with Equifax has become impossible. I cant contact a human even though I used the human contact phone number given to me by Equifax. Internet and phone yield no results. The robotic/internet advice given by Equifax doesnt work. I keep being informed that a freeze can not be activated at this time. I have excellent credit but are concerned about access to my information by criminals. Why is it difficult or impossible to freeze information that I dont need, dont want, have never had a need for and have never given permission to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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:
My Identity have been used without my consent to open fraudulent accounts I have not authorize anyone to use my Personal Information. I'm highly upset that someone would try to destroy me. please help me to resolve this situation. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Identity have been used without my consent to open fraudulent accounts I have not authorize anyone to use my Personal Information. I'm highly upset that someone would try to destroy me. please help me to resolve this situation. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My job closed for a week, which caused a significant loss in wages. I applied for a loan modification XXXX/JXX/XX/2019 with Bank of America. I submitted all documents that was written on the modification application. I was quickly denied due to not able to verify my assets or source of funds, but I qualified for a short sale. I did not understand why I was denied and I desperately want to keep my home, so I called my representative. I've been assigned several representatives in which no one has been able to consistently answer or explain my denial. The first application and denial, I requested a re-eval with an explanation of not being able to verify my assets or funds. After this request, I was not able to reach my representative anymore and was tossed around by any representative who answered the phone. I had to explain my situation over and over again, which became frustrating. I was getting further behind in my mortgage with no help. I was still sending in some money. I soon re-applied. Shortly after re-applying, I was denied for the same reason, not able to verify my assets or source of income. My assigned representative was now XXXX XXXX. I tried to explain to her my unexplained issues from the first representative, but she didn't seem concerned as well. I even spoke to someone on the underwriter team. Eventually, I kept searching for help because I am a first time homeowner and single parent and desperately trying to keep my home with outstanding arrears. I found XXXX and received help from them. I had to re-apply. After reapplying, and going through XXXX, I was denied once again for the same reason, unable to verify my assets or source of income. I have a new representative with Bank of America ( XXXX XXXX ) and I have called numerous of times and left several messages with my new representative. I have submitted ever document they've asked for. I have not received any answers. I DO NOT WANT TO LOOSE MY HOME. Please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12 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: American Credit Acceptance, LLC
State: NC

Complaint narrative:
American Credit Acceptance reported my account to all 3 credit reporting agencies as delinquent pays 30-60 days late when in fact they have been receiving regular Monthly payments! 

Called on XX/XX/2020 spoke with a XXXX and was informed that they reported my account as delinquent because the balance of my loan had reached its maturity date. I never received any information that American Credit Acceptance would ruin my credit rating if my account was not paid in full by the maturity date, especially considering I have been making regular payments. I currently owe a balance of less than {$500.00} It should not be fair for a creditor to be able to report to the 3 credit reporting agencies that an account is " delinquent '' when that creditor is in fact still receiving Monthly payments! Showing an account as delinquent implies that there have been no payments toward the balance at all. 

This issue has caused me to be denied a loan for a mortgage due to the delinquency info being posted to my credit report just as my loan was going to underwriting!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: NV

Complaint narrative:
This complaint is more of additional information to a previous complaint # XXXX. In that complaint I reported that Equifax claims they can not find a file using my identifying information. In other words, I don't have a credit file according to Equifax. However, just today I received something from Equifax that belies that claim. What I received today is a confirmation # XXXX where in they assert that they resolved my earlier claim, which was that they are reporting my credit data incorrectly. Specifically, they are FAILING TO report a DISMISSED bankruptcy in XXXX and a later DISCHARGED BANKRUPTCY IN XXXX XXXX. 
So now, with their accurately mailed confirmation to XXXX XXXX they have proved they have my file. But they are still reporting inaccurate data in my file. 
After wrestling with this for over 6 months, I ready to say that Equifax is INCAPABLE OF COLLECTING AND REPORTING PUBLIC INFORMATION. WE ARE KNOW ABOUT THEIR INABILITY TO KEEP DATA CONFIDENTIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had three transactions post on my account that I did not make on XX/XX/2019. One of  them a large amount- {$98.00} for gas. I did not lend my card to anyone, nor was it out of my possession. At that time this happened, I was at work and the gas station in question is in another county. The bank had originally told me to prove I was not in the neighborhood of this gas station by retrieving records from my phone service provider. Then another rep told me that wouldnt be sufficient either. They stated fraud never happens with a chip card. I am appalled that they would side with the thugs that stole my card information versus their customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-12 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: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-12 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: CA

Complaint narrative:
experian IS STILL REPORTING 30 DAYS PAST DUE FROM XXXX THAT CAN NOT VERIFIED, JUST REPORTING A 30DAYS BECAUSE XXXX IS SAYING I WAS LATE BUT NO DOCUMENTS CAN SHOW OTHERWISE SECONG VIOLATION THE FIEST WAS DATA BREACH. THIS IS THE COMPANY YOU TRUST WITH YOUR INFORMATION!!!!!

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 2020-01-12 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: NV

Complaint narrative:
This complaint is more of additional information to a previous complaint # XXXX. In that complaint I reported that XXXX claims they can not find a file using my identifying information. In other words, I don't have a credit file according to XXXX. However, just today I received something from XXXX that belies that claim. What I received today is a confirmation # XXXX where in they assert that they resolved my earlier claim, which was that they are reporting my credit data incorrectly. Specifically, they are FAILING TO report a DISMISSED bankruptcy in XXXX and a later DISCHARGED BANKRUPTCY IN XXXX XXXX. 
So now, with their accurately mailed confirmation to XXXX XXXX they have proved they have my file. But they are still reporting inaccurate data in my file. 
After wrestling with this for over 6 months, I ready to say that XXXX is INCAPABLE OF COLLECTING AND REPORTING PUBLIC INFORMATION. WE ARE KNOW ABOUT THEIR INABILITY TO KEEP DATA CONFIDENTIAL.

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 2020-01-12 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: CITIBANK, N.A.
State: NY

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-12 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: NY

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
fraudulent accounts 1. XXXX XXXX XXXX. ( XXXX XXXX , XXXX . Is the issuer ) Balance : {$14000.00} Acct # XXXX XX/XX/XXXX Open date : XX/XX/XXXX 2.  XXXX XXXX XXXX ( XXXX XXXX Credit Card ) Balance : {$13000.00} Acct # XXXX Open date : XX/XX/XXXX 3. XX/XX/XXXX/XX/XX/XXXX ( XXXX is the issuer ) Balance : {$6000.00} Acct # XXXX Open date : XX/XX/XXXX 4. XX/XX/XXXX/XX/XX/XXXX ( XXXX is the issuer ) Balance : {$780.00} Acct # XXXX XX/XX/XXXX 5. XX/XX/XXXX/XXXX-Credit Card ( Issued by XXXX ) Balance : {$5800.00} Acct # XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12 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:
experian IS STILL REPORTING 30 DAYS PAST DUE FROM XXXX THAT CAN NOT VERIFIED, JUST REPORTING A 30DAYS BECAUSE XXXX IS SAYING I WAS LATE BUT NO DOCUMENTS CAN SHOW OTHERWISE SECONG VIOLATION THE FIEST WAS DATA BREACH. THIS IS THE COMPANY YOU TRUST WITH YOUR INFORMATION!!!!!

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 2020-01-12 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:
XXXX  IS STILL REPORTING 30 DAYS PAST DUE FROM XXXX THAT CAN NOT VERIFIED, JUST REPORTING A 30DAYS BECAUSE XXXX IS SAYING I WAS LATE BUT NO DOCUMENTS CAN SHOW OTHERWISE SECONG VIOLATION THE FIEST WAS DATA BREACH. THIS IS THE COMPANY YOU TRUST WITH YOUR INFORMATION!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Reporting what I believe is CRIMINAL ACTIVITY USAA Reports Fraud Investigations NOT REPORTED BY ME in order to Create a Temporary Credit that becomes a Permanet Charge Leaving Consuers Liable for Fraud I reported {$470.00} unrecognized charges XX/XX/XXXX Fraud Investgations were done 5 months later XX/XX/XXXX. Consumers must report fraud within 60 days Clearly I could Not have reported 5 months late All of these Temporary Credits Became PERMANET CHARGES year later ON XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX USAA Reps are rude and Hostile when I try to discuss this talking down to me no respect for the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation