vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 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: CA

Complaint narrative:
Equifax Credit Report in correctly shows a balance due of {$13.00} to XXXX XXXX. I have complained numerous times to XXXX and thought this was corrected. I closed the XXXX XXXX because I could not tell what they were charging me for. Because the card was closed XXXX tried to charge to my card after closing, the auto charges for XXXX streaming services were then charged to my XXXX XXXX Credit Card and paid. They double dipped because they did not remove the {$13.00} charge to the XXXX card that was made after card was closed and charges were objected to. XXXX is showing on Equifax that I had 60 days late pay which I assume substantially is lowering my FICO score. 
I found the XXXX XXXX to be a complete failure. Charges would go onto the card for XXXX services without explanation what they were for - data, streaming, very confusing. 
I request this error be reported and removed. As you can see from my credit reports I have absolutely no late pays and otherwise excellent credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: LA

Complaint narrative:
I recieve Louisiana unemployment starting XX/XX/XXXX. It is now XX/XX/XXXX and I still have not yet been able to recieve a ReliaCard. I have updated my account through la unemployment And have called over 100 times to fix the address problem. I have funds available on a card I never got and still havent got.

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 2021-01-18 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: VA

Complaint narrative:
The credit card company failed to notify me and did not update my address but statements reflected old address. In addition, I made required payments for XX/XX/2020 and was reported late, the company agreed to reverse fees and that I would not be reported late after they made a clerical error by processing a payment that was not authorized from a former account, I then made a payment exceeding the amount that was requested of XXXX, however the representatives have failed to make good on this consistently and affecting my credit negatively. In addition they failed to provide correct data so that I can file a lawsuit.

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 2021-01-18 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: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2021-01-18 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pay for membership on Experian.com and since XX/XX/2020 I can not pull all three Reporting agencies report opened up multiple escalation tickets but still not fixed but they keep billing me for service I can not get

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 2021-01-18 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: TN

Complaint narrative:
I submitted my dispute letters over 30 days the company have failed to respond also the company is in violation of many federal laws. I did not give written consent for these inaccurate items to be placed on my credit report. 15 USC 1681. I have submitted my FTC report and company had failed to acknolegde that fact that this is an violation that shouldn't be taken lightly. This is a violation of section 605b fcra.

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 2021-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
I have never received a statement from this company. When logging into my credit report today, I saw that there are subsequent late payments dated to XX/XX/XXXX. This card was opened by my wife and was paid in full inXX/XX/XXXX ( {$0.00} balance ) - the last payment was assessed as " late '' by the company and she was charged a late fee. There have been late fees assessed on top of this late fee, as well as interest on the late fees. Again, the balance of the account was paid in full in XX/XX/XXXX - this balance due is just late fees and interest. I called XX/XX/XXXX to resolve this, was transferred 7 times and left on hold for 2 hours. There has been no attempt by the company to help me resolve this - the only time I was able to speak to someone directly about this balance due ( the second time I was transferred ) he told me his only job was to attempt to collect the debt, not tell me how the debt was accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I called XXXX Bank of America on XX/XX/2020 at XXXX XXXX at XXXX in reference to 4 late payments reported on my credit. This created ticket # XXXX. 

I paid off final balance and closed my XXXX card in XX/XX/2020. I was told by call taker that it looked like a bunch of {$1.00} charges were coming in on the card after it was closed, based on original balance before closure and then added interest due to no balance after account was closed. 

He said the system automatically kept reporting to this to credit bureau and in total reported 4 late payments to my credit report. When I found out about this, I immediately paid the total of the four {$1.00} charges and added late fees that were established, totaling approximately {$30.00}. I found out about this from my mortgage lender who told me about the late payments showing up on my credit report. I was never notified or called about these charges and given the opportunity to pay the fees. The call taker said he would submit form to XXXX Bank of America as well as to the credit Bureau to remove the 4 late payments. He said the bank would call me and send letter by XX/XX/2020. He said I would hear back from the credit card company within 5-7 business and I should see my credit history updated by XX/XX/XXXX or XX/XX/XXXX depending on when it updates. 

I never received a phone call or letter from the credit card company. After not seeing my credit report updated, I called the credit card company on XX/XX/2020 at XXXX XXXX. I received the return call at XXXX XXXX and waited on hold for 16 min. while caller was trying to look up issue, then the line disconnected. I called back at XXXX, the automation would not acknowledge me pressing 1 to be put on the call back list. I called back at XXXX XXXX, I received call back and lady said she didnt see anything on my account, except that it was closed. She transferred me to claims, I was then told my claim was rejected stating they did not see any errors. The caller said there was no further action I could take. I explained again I was unaware of the charges and would have happily paid {$1.00} charge if I knew any of this was going on. He said their practice was to send out letters but said there was nothing on record that confirmed any notices were sent to me and I told him I was never notified of any of these charges. Once I found out from my mortgage lender, I paid them immediately. I now have four late payments on my credit history, which drastically affected my credit score. I would like this removed from credit report as I had no knowledge this had even happened after I paid in full and closed account. 

Thank you for your time.

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 2021-01-18 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: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2021-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: NY

Complaint narrative:
My identity was stolen. I received a XXXX XXXX card with unemployment benefits in or around XXXX. I did not file for these benefits. I filed fraud complaints with XXXX XXXX, XXXX XXXX, and now you. In the interim I check my ID shield and two accounts have been open in my name with an online bank called XXXX XXXX. I can not reach anyone there to help me close them. 

Please help me stop this and find out who it is. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMT Solutions, LLC.
State: WA

Complaint narrative:
The company PMT Solutions LLC ( Washington State License UBI XXXX ) has incorrectly tried to collect debt and fees for a disputed fine made in allegation to a XXXX Municipal Court parking ticket against a vehicle. ( WA LIC # XXXX ) In addition to the fraud that they have committed on incorrectly saying that I have a debt associated with their offices for this infraction which is currently under litigation, they have harassed me nonstop with a total of 3 mail articles, over 15 phone calls, and 2 emails about this fraudulent debt they have tried to collect which I have no association with. 

I have asked to be placed on a do not call list when they called me on XX/XX/2021. They have since called me three times. I have also publically disclosed on their XXXX business profile that they are not to contact me or my family which they have violated, and harassed us against our wishes. Their owner XXXX XXXX has led this company as a thug and she should be fined for the calls that she placed against me because they not only hurt XXXX XXXX, they also caused me extreme XXXX which I have sought counseling and counsel for. Her practices as an owner here in Washington state should not be stood for and her license to do business here should be revoked. 

For resolution, in this case, I would like her business to be fined for the three times her business has harassed me, her business license to be revoked, and for XXXX XXXX to never be allowed to hold a business license in the state of Washington again. Her malpractice of buying and trying to collect a debt that is still in litigation is extremely out of the ordinary, illegal, and to be quite honest, disgusting. Citizens in Washington state should no longer be able to be harassed by this thug XXXX and her band of collectors who do not follow FTC fair consumer debt collection practices. 

Thank you for your time and effort, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-01-18 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I dispute national credit adjusters that was deleted from my credit report. XXXX put the collection back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have an American Express Platinum Card. One of the offers is if you spend {$30.00}  or more, get {$30.00} back from XXXX ( up to 2 times total of {$60.00} ). There are offer terms - Offer valid for purchases made online at wineinsiders.com only. Excludes voucher purchases, taxes, and shopping costs and promotional offers through XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

I added the offer to my card. I went to XXXX to see if there were any additional coupons I could use. Then I went to XXXX to place my order. I used a promo code I found on XXXX. 

Order placed on Monday, XX/XX/XXXX. The transaction posted on XX/XX/XXXX as XXXX CA. I messaged or chatted with American Express on XX/XX/XXXX. I was told that I was ineligible for the offer because I visited one of the sites above. I checked my history on my XX/XX/XXXX where the order was placed and I did not visit one of those sites. I also have a friend who did the same exact thing as me and she did not visit the sites listed above in the offer. I also XX/XX/XXXX this and found several articles and XXXX comments of people who were told they were ineligible for the offer. I think if that many people have issues with the offer - there is a problem. 

American Express told me I visited a site - I did not. They can not see what sites I visited. American Express told me I could get the offer if I placed another order without going to the sites mentioned above - but the last thing I want to do is give XXXX any more money. This offer is deceptive and is set up in a way to get people to spend money and not let them get the offer. 

XXXX is not listed as an exclusion - and a reasonable person is not going to look at the url 's to make sure when they click on something promo is not added. Although - in my case, my history verifies that promo or other words were not added. 

I asked American Express to remove the offer so others are not deceived. I also asked for this to be reported formally as a complaint. 

Here are the links to articles : https : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TN

Complaint narrative:
I submitted my dispute letters over 30 days the company have failed to respond also the company is in violation of many federal laws. I did not give written consent for these inaccurate items to be placed on my credit report. 15 USC 1681. I have submitted my FTC report and company had failed to acknolegde that fact that this is an violation that shouldn't be taken lightly. This is a violation of section 605b fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
My ... ..name is Mr. XXXX ... ..my Complaint ... ..is I am giving ... ..100 percent Exempt from paying property Tax ... ... because of my ... ..age!! The city of XXXX ... .of Virginia ... ..have allow Senior citizen like myself ... .become Tax Exempt Here within ... ..this City!! And I have ... .sent in 3-4 letters of this request and this ... ..Mortgage Company ... ..have not answer ... ..any those letters ... .have been Submitted ... ... and it have ... ..been little over a year now ... ..and they have not ... ..made any attempt ... .to answer those Tax-Exemption of ... .my properly. I even Contact ... .Social Service Department here ... .at City Hall ... and they have confirmed ... .I am one Hundred Exempt of ... .my properly Tax : My Mortgage ... ..should beless then what I am ... ..paying them ... ..!!

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 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
In XXXX Citizens One notified me of an escrow surplus of {$7500.00}. 

The first week of XXXX I contacted them to let them know that I had not received the check. They said they would cancel and reissue. 

The third week of XXXX I got a form in the mail from Citizens One indicating that they could not issue a new check without me completing the form. I completed and returned the form to them the next day. 

XX/XX/XXXX I contacted them to let them know that I STILL had not received a check. They told me that everything was okay and they had mailed the check the previous day. 

XX/XX/XXXX I attempted to contact them via phone but they no longer answer their phones -- instead I had to accept an appointment for a callback on the XXXX. 

XX/XX/XXXX I get a call from Citizens One. They tell me they did NOT in fact mail the check in XXXX, and can't tell me when they will.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted to Trans Union a complaint that two accounts were inaccurate, I completed the complaint online at their website in XX/XX/2020. I have requested from them documentation to support their decision, they have elected to provide no proof to me on how they ascertained that the accounts were correct. This is very unfair to the consumer, the consumer has little or no ability to challenge their decisions. In both cases they were in error in regards to the reporting of these accounts ; 1. XXXX XXXX XXXX  They have reported me as being late paying, when the Stimulus Bills both stopped lenders from reporting these payments as being late.

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 2021-01-18 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: NY

Complaint narrative:
I am noticing unauthorized accounts on my credit report that need to be removed. They are holding me back from getting any sort of business credit cards and getting a mortgage. I sent out letters to these credit bureaus over 30 days ago and I haven't gotten any results, let alone a response. Please help me get rid of these inaccurate accounts, it is unfair that I have to suffer financially for accounts that are inaccurate and unauthorized. Attached are the letters sent to the credit bureaus along with my identity documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am noticing unauthorized accounts on my credit report that need to be removed. They are holding me back from getting any sort of business credit cards and getting a mortgage. I sent out letters to these credit bureaus over 30 days ago and I haven't gotten any results, let alone a response. Please help me get rid of these inaccurate accounts, it is unfair that I have to suffer financially for accounts that are inaccurate and unauthorized. Attached are the letters sent to the credit bureaus along with my identity documentation.

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