vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC
State: GA

Complaint narrative:
I applied for a home loan with Eagle Mortgage, a subsidiary of XXXX XXXX. I signed the XXXX sales documents and applied for the loan using Eagles secure portal. Five days after providing info on two bank accounts along with my personal information, both accounts were breached and a fraudulent check written on one account. The fake check had a signature that was designed to look like the signature I made on the earnest money check to XXXX. 
In particular, someone used my personal information to access XXXX XXXX telephonic banking services, then transferred money from my savings account to the checking account before writing a fraudulent {$3900.00} check. I had given Eagle a bank statement showing transfers between the two accounts. 
Eagle conducted an investigation and concluded they did nothing wrong. However, Eagle was the first entity or person that I ever shared information regarding the savings account in over 10 years.

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 2019-09-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had an XXXX XXXX account that was left unpaid due to unemployment. 

I made arrangements with XXXX beginning with a payment schedule commencing XX/XX/2018. The full balance of {$4000.00} was paid in full. 

The account shows delinquent on ALL credit reporting bureaus such as XXXX, XXXX and Experian.

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 2019-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello there, I was sent an email by Capital One to bring XXXX to my saving account and maintain the money till XX/XX/XXXX to earn a bonus of {$450.00}. I deposited XXXX into my account and maintained the money for the specified period but Bonus was not deposited into my account as of XX/XX/XXXX. I contacted their customer service multiple times and they have no clue when my bonus payment will be made except for telling me to wait 60 days. I have attached copy of email sent by Capital One showing the promotion. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: KY

Complaint narrative:
I she filed a number of disputes with the credit agencies, regarding incorrect items on my report. They respond, claiming that the items have been investigated and find that they are in the companys favor. They are unable or unwilling to prove to me what has been submitted as proof of a thorough investigation. 

It has come to the point that I, myself, have had to do several investigations, in order to prove that these items are reporting illegally and incorrectly on my credit report. 

This should not be the case. At all!!!! They should prove that the company is in the right, and show me how they came to this conclusion. 

I have submitted proof of correct contracts, I have submitted medical coverage proof, and yet, the illegal Items are STILL reporting!!!!! Why is the burden of proof now on me, the consumer??

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 2019-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2019 XX/XX/2019, XX/XX/2019 I have contacted Citibank and advised them that I have been a victim of identity theft. They choose not to look into this matter and wanted payment. Also they wanted to setup payment arrangements. I have even sent the collection agency notice advising them that I am a victim of identity theft. I am requesting this negative information to be remove from my credit report because it is hindering me from buying things such as a house. This is not my debt it belongs to someone who used my information to obtain it. This has been going on for 9 months

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 2019-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I have a car loan being serviced by SunTrust Bank. I want to be able to see how my payments are being applied to interest and principal. I can log into my account, but the information provided online by SunTrust does not include a breakdown of how my payments are being applied, so I have no way to assess whether they are being applied properly. I have contacted SunTrust by telephone and by online messaging, and they informed me that I can go through a cumbersome process to have the information sent to me by snail mail. I don't want to have to go through this every time I make a payment! This information should be readily available to me! ( I've attached a transcript of my most recent attempt to communicate with SunTrust -- a difficult and fruitless process. )

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 2019-09-06 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: GA

Complaint narrative:
I sent Identity Theft affidavits in to all 3 bureaus in regards to a XXXX  XXXX account that doesn't belong to me, I was a victim of IDENTITY THEFT ... .XXXX  XXXX XXXX XXXX XXXX XXXXXXXXXXXXX {$340.00}, the accounts were found to be fraud and were removed from all 3 bureau reports, now XXXX and TRANSUNION have put the fraudulent account back on my reports after removing it, and have reported 1 late payment on account that is not mine and that I have never made any payments on ... ... I want this account removed and deleted from my credit file permanently. It is hurting my credit worthiness and my ability to obtain legal credit in my own name.

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 2019-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had an XXXX XXXX account that was left unpaid due to unemployment. 

I made arrangements with XXXX beginning with a payment schedule commencing XX/XX/2018. The full balance of {$4000.00} was paid in full. 

The account shows delinquent on ALL credit reporting bureaus such as Transunion, XXXX  and 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 2019-09-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I had an XXXX XXXX account that was left unpaid due to unemployment. 

I made arrangements with XXXX beginning with a payment schedule commencing XX/XX/2018. The full balance of {$4000.00} was paid in full. 

The account shows delinquent on ALL credit reporting bureaus such as XXXX, XXXX  and Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
The GM financial account is being falsely reported in an attempt to re-age the account. 
Ive disputed this account numerous times with no change. The account should be deleted immediately for false reporting. 
They are reporting the last payment date as XX/XX/XXXX but charge off/DOFD date as XX/XX/XXXX. 
This should have been noticed if there was really an investigation into my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: IL

Complaint narrative:
CRA refuses to remove fraudulent items even after FTC AND POLICE REPORT was sent over.

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 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I have an American Express Bluebird prepaid debit card that my payroll check is deposited to. On XX/XX/2019 I made a purchase for {$390.00} at XXXX XXXX XXXX. I returned a medication they gave me for a {$120.00} credit back to my card on Tuesday, XX/XX/2019. The charge was credited back to me on Friday, XX/XX/2019, but American Express immediately took the money out of my account as a " Hold For Review '' When I called to ask why the money was being held, I was told that they have to hold the credit for an additional 7 days for verification that the credit is valid. I talked to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: KY

Complaint narrative:
I she filed a number of disputes with the credit agencies, regarding incorrect items on my report. They respond, claiming that the items have been investigated and find that they are in the companys favor. They are unable or unwilling to prove to me what has been submitted as proof of a thorough investigation.

It has come to the point that I, myself, have had to do several investigations, in order to prove that these items are reporting illegally and incorrectly on my credit report.

This should not be the case. At all!!!! They should prove that the company is in the right, and show me how they came to this conclusion.

I have submitted proof of correct contracts, I have submitted medical coverage proof, and yet, the illegal Items are STILL reporting!!!!! Why is the burden of proof now on me, the consumer??

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 2019-09-06 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: KY

Complaint narrative:
I she filed a number of disputes with the credit agencies, regarding incorrect items on my report. They respond, claiming that the items have been investigated and find that they are in the companys favor. They are unable or unwilling to prove to me what has been submitted as proof of a thorough investigation. 

It has come to the point that I, myself, have had to do several investigations, in order to prove that these items are reporting illegally and incorrectly on my credit report. 

This should not be the case. At all!!!! They should prove that the company is in the right, and show me how they came to this conclusion. 

I have submitted proof of correct contracts, I have submitted medical coverage proof, and yet, the illegal Items are STILL reporting!!!!! Why is the burden of proof now on me, the consumer??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD Bank wants me to drive while XXXX to another state in the middle of a hurricane to sign a signature card because they failed to get one from me after having me open up an account over the phone. The money originated from an account with a signature card on file. This puts not only my health at risk but my XXXX  heath at risk. Last night we had tornado 's came through and TD Bank will not release funds for me or my family to get groceries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 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: TX

Complaint narrative:
XX/XX/XXXX I Have sent out numerous letters with attached proof of identity, bill, and social security number asking for everything stated on my credit report to be fixed and everything false to be removed. They did nothing but, ask me to submit the proof I've sent with every letter. I've sent numerous letters and have it all time stamped proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have contacted this company several times, looking to resolve these issues related to items being reported on my credit report. 

I have consulted with the hospital directly, and know that they have verified that Myself and my children were covered by both primary and secondary ( XXXX ) insurances on the dates that this company is attempting to collect on. 

I have been covered by XXXX from XXXX through XXXX. 

XXXX XXXX, my son, has been covered by XXXX through these dates as well. 

XXXX XXXX, my daughter, has been covered by medicaid from XXXX through XXXX. 

This is in addition to our primary insurance at the time. The hospital had them both on file, and failed to bill us properly. 

In addition, they unknowingly sold my HIPAA covered information to this agency, who now refuses to send proof of me releasing any rights to have them have ownership of this information that is being held by them. They have chosen to not acknowledge my dispute with them, and I will have to exercise my rights as a consumer by law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: GA

Complaint narrative:
I sent Identity Theft affidavits in to all 3 bureaus in regards to a XXXX  XXXX account that doesn't belong to me, I was a victim of IDENTITY THEFT ... .XXXX XXXX XXXX XXXX XXXX XXXX {$340.00}, the accounts were found to be fraud and were removed from all 3 bureau reports, now EQUIFAX and XXXX have put the fraudulent account back on my reports after removing it, and have reported 1 late payment on account that is not mine and that I have never made any payments on ... ... I want this account removed and deleted from my credit file permanently. It is hurting my credit worthiness and my ability to obtain legal credit in my own name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 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: TX

Complaint narrative:
I have disputed XXXX XXXX for months now. I have sent certified mail to XXXX XXXX requesting validation of debt. I have sent a follow up letter telling them they are required by law to send me the proper documentation proving they have the right to report on my credit. I have not received the response with the request information. I have submitted these documents to the XXXX  & Equifax with no response. I want XXXX XXXX to either send me the requested inform or delete the account from all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: KY

Complaint narrative:
I have asked this company to send me directly, proof of me owing the large debt that they claim that I do. Proof, such as a contract. I was sent a bill, which I do not recognize, which is definitely not adequate proof of a debt owed. 

I have asked them to delete this account from my credit reports if they are unable to adequately verify this debt, as they are unfairly and illegally infringing upon my consumer rights!!! 

They have not only failed to deliver the adequate proof, but have also ignored my request to have this account deleted, due to them not adequately verifying the claimed debt. This is illegal!! Please deliver the adequate proof, or remove this item from my credit report and cease attempting to collect any money from me!! 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 2019-09-06 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:
CRA refuses to remove fraudulent items even after FTC AND POLICE REPORT was sent over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 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: IL

Complaint narrative:
CRA refuses to remove fraudulent items even after FTC AND POLICE REPORT was sent over.

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 2019-09-06 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: IL

Complaint narrative:
CRA hasn't removed fraudulent items even after submitting FTC identity theft 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 2019-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: ME

Complaint narrative:
1. Previous to XX/XX/2019 reported the issue of the incorrect line item to all 3 credit bureaus and the credit bureaus reported that the line item was Resolved by Data Furnisher. 

2. On XX/XX/2019 wrote to the Data Furnisher of the line item requesting validation of the debt. The Data Furnisher has a different address for each of the three credit bureaus. Having 3 different address appears to be an attempt to confuse the consumer and cause diversion. I sent a certified letter requiring a signature to all three addresses listed on the 3 credit bureau reports. 

3. On XX/XX/2019 wrote to all three credit bureaus to address the concern again and provided the collection of documentation to include : previous letters sent and copies of the certified mail certificate requiring a signature ( one of the three was returned as undeliverable ). It has now been 120 days and I have not heard back from the Data Furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: TX

Complaint narrative:
XX/XX/XXXX I Have sent out numerous letters with attached proof of identity, bill, and social security number asking for everything stated on my credit report to be fixed and everything false to be removed. They did nothing but, ask me to submit the proof I've sent with every letter. I've sent numerous letters and have it all time stamped proofs.

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