vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 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: EQUIFAX, INC.
State: WV

Complaint narrative:
1. In XXXX I missed one or two months of payments due to a medical condition that resulted in 2 hospitalizations. These missed payments have caused my score to be dragged down for years. 
2. XX/XX/XXXXXXXX told me to open more credit cards which I did and this dragged my score down. 
3. I paid off a new XXXX XXXX XXXX via XXXX XXXX and it is not on my record. I have contacted them and you and they do not respond. 
4. I own my home and paid off another. This is not reflected in my score and Im told nothing can be done about that. However, it is held against me b/c real estate is not in my credit report. 

FICO scores do not work unless you are upper middle class and above and have the time and money to dispute things. It is an inherently biased system that disadvantages people who are older, as well as other disenfranchised populations..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: FL

Complaint narrative:
I was affected by XXXX, XXXX XXXX XXXX closed my account and removed online access giving me no ability to pay the account while hospitalized. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of XXXX was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX XXXX XXXX or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX XXXX XXXX or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to COVID and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was hospitalized. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.

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 2021-02-20 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: FL

Complaint narrative:
I was affected by XXXX, XXXX XXXX XXXX closed my account and removed online access giving me no ability to pay the account while hospitalized. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of XXXX was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX XXXX XXXX  or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX XXXX XXXX  or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to XXXX  and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was hospitalized. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: FL

Complaint narrative:
I was affected by XXXX, XXXX XXXX XXXX  closed my account and removed online access giving me no ability to pay the account while hospitalized. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of XXXX  was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX XXXX XXXX or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX XXXX XXXX  or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to XXXX and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was hospitalized. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.

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 2021-02-20 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: FL

Complaint narrative:
I was affected by XXXX-XXXX, XXXX XXXX XXXX  closed my account and removed online access giving me no ability to pay the account while XXXX. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of COVID was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX  XXXX XXXX  or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO  score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX  XXXX XXXX  or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to COVID and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was XXXX. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed several inaccurate or/and unrecognizable accounts from my report to the credit bureaus but they are not neither answering nor taking action, i give them 30 days and then try to reach them out again for not answering but they don't do anything anyways.

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 2021-02-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed several inaccurate or/and unrecognizable accounts from my report to the credit bureaus but they are not neither answering nor taking action, i give them 30 days and then try to reach them out again for not answering but they don't do anything anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I have contacted Mr. Cooper seven times, talking to multiple people, spending hours on the phone and each time my request is escalated to a department that would ultimately handle my concern. Rinse and repeat each time because my concern does not get handled and I never hear back from anyone. 

Mr. Cooper shows that I have an arrearage amount owed and all I need to know is what the arrearage is made up of. Its not missed mortgage payments or escrow balances because my payment records reconcile with Mr. Cooper payment records ; yet no one can tell me what the arrearage is regarding. Seems simple enough but good luck trying to get an answer. As of today, I have mailed a letter to the CEO and SVP of Mr. Cooper regarding my concerns. Here are the dates, times, and names of people I have talked with. 

XX/XX/XXXX - spoke with XXXX from Arizona at Mr. Cooper. She shows that we are current and up to date and only owing XXXX mortgage payment. She will resend info to escalation team. 
XX/XX/XXXX - spoke with XXXX from Mr. Cooper and states that only balanced owed is current month, XXXX mortgage payment. I asked to be transferred to the escalation team and spoke with XXXX ( sp? ), she said she does not know why we are being asked about this past due balance because she shows that payments made to Mr. Cooper took care of that past due balance. She will send info to research team and get back with me. 
XX/XX/XXXX - spoke with XXXX from Arizona at Mr. Cooper and states that only balance owed is current month, XX/XX/2021 and could not assist. She transferred me to an escalation team and she transferred me to XXXX  ( sp? ) who said the same thing and would send my info to a research team. 
XX/XX/XXXX - spoke with XXXX from Arizona. Reviewed my information, could not figure it out and ended up transferring me again to an escalation team. Transferred me to XXXX who could not figure it out either and would send my request to a research team again for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX I decided to take advantage of Citi 's promotional offer of cash back by opening an account ( I actually opened 2 hoping to get 2 different offers one for checking and and one for savings. the savings cash bonus was through their website and the checking promo was mailed and has promo code on mailer. After opening and depositing the needed XXXX in both accounts, I noticed there was no confirmation about this promo. I inquired about this more than 10 times over the last 60 days to find out last night after hours of chatting with support and numerous phone calls that there is no promotion tied to either account and not only did I waste my time opening the account ( which was an unneeded struggle, but a whole other story ) but more importantly I was mislead to believe my money in these accounts would be beneficial to receive the cash bonus. Now I want to use the money in my investment portfolio and close accounts. My checking account is locked and wont let me transfer money out of, my saving will only let me wire transfer to external account by paying a fee. I just want my money in the safest way and accounts closed. I would love to get what was promised, aka the cash bonus. I feel I was scammed my Citi and I don't feel comfortable doing business with them. I am a heavy city card double cash card user and though it would be great to bank with them, I figured they wanted a customer that spent XXXX for personal use via credit card annually. I am disgusted with how they treated me and continuously hung up on my last night as I wanted answers to their XX/XX/XXXX up. I spent about 4 and half hours from about XXXX to XXXX XXXX  last night screaming until i was blue in the face. Something illegal was done on their end, in my opinion. they got me to open an account under false pretense and then hold my funds when I want them back. The only thing they could do is close my accounts and send me my XXXX grand via standard mail with no tracking info. which sounds like the most unsecure way to give a client their funds back. I don't understand why I can transfer into an account to open with out difficulty but changing the flow away from Citi became my worse nightmare last night. Not to mention it took time away from my busy schedule ( actually interrupted my expensive training session. I will gladly give more details if needed to conclude this case. I will probably stop using their credit card as well, spark has the same cash back reward so their is nothing special about CITI

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 2021-02-20 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: MD

Complaint narrative:
Experian is reporting fraud debt on my credit report, from XXXX XXXX  XXXX reporting for {$400.00}. This debt does not belong to me. That account does not belong to me. It is fraud activity. I have not had any dealings or affiliations with the debtors. My identity was stolen and had been reported to Experian and Identity Theft and Experian is aware of this. That company also reports a wrong number, email address, and incorrect mailing address for me. It is the only negative item on my credit report and it is fraud. Please remove from my credit report.

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 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I do not have a car at this time so I had to open an online account at Chime!! 
My first transaction, Social Security direct deposit in the amount of {$2200.00} on XX/XX/20 was reduced by {$1200.00} when they sent this amount to a XXXX XXXX account in whose name I have not been advised. 
I filed a dispute immediately the same day as I needed my money to pay bills. They denied my claim on XX/XX/20 and keep telling me to provide more information. I have no more information as I knew nothing about this unauthorized transaction. I have sent a major amount of messages and made dozens of phone calls to get my money refunded. They keep doing the same thing and I still haven't received my funds. I am at a loss as to how to get my money returned and need your help. I am a XXXX year of age woman that is XXXX and my bills are far behind. Can you please help me? 
XXXX XXXX XXXX XXXX Claim # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/2021 Unable to get annual free credit report from Experian. They took all my personal information name, address, SSN, phone, e-mail and replied by stating they are restricting access to my credit report to prevent identity theft. Credit report links to a visual broken maintenance icon but no other page links. Phone number links to an automated message service that redirects you to re-register through the internet page that doesn't work to begin with. They are collecting people 's identities and personal information with the promise of giving you your annual credit report but then are not issuing the report and purposely not allowing you to contact them directly. Why isn't this being looked into? Please help consumers.

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 2021-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management , Inc has been calling and harassing me for weeks. I have sent them a cease and desist letter multiple times, the last one by certified delivery via XXXX with a signature required and tracking showing it was delivered. This company has called me multiple times a day, every time they call its from random phone numbers. Its never the same number, when I answer the first thing they say is Dont hang up or you will be sued. - they have also sent me multiple letters threatening to sue me for a balance that they have yet to very that I owe. I submitted to them in writing a denial of debt letter and a request for verification and proof of debt, they have refused to respond to. They continue to send me threatening letters indicating they are going to file a lawsuit as well as indicating that my credit will be impacted by such lawsuit. If I refuse to provide them with my personal information over the phone they immediately hang up on me. This company has been harassing me for months!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

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