vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 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:
Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. I did a dispute and they are saying that it's not me. I certified that I am the one submitting the dispute. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family.

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 2021-02-19 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: CO

Complaint narrative:
I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-02-19 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, CAINE & WEINER ( Opened XX/XX/XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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:
Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. I did a dispute and they are saying that it's not me. I certified that I am the one submitting the dispute. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
Prosperity Bank failed to setup my autopay debit deduction when I closed on my loan on XX/XX/XXXX. They offered .125 % discount to do this. I had already setup an account with them and was preparing to transfer funds. They scrambled and acknowledged what they did. They then setup another round of closing documents for a loan modification. During this time, they noticed that they failed to have me get flood insurance. During the nearly 2 month process for the original loan, they completely missed this. I then scrambled to get this done. I had to pay for a flood certificate to be created, and the surveyors were weeks out on getting this done. I finally was able to get someone out to the home and the certificate produced, but so much time had elapsed that I had to make my first mortgage payment on XX/XX/XXXX. I had transferred my funds into the account and I was in constant communication with the banking staff handling this loan modification. They told me to wait until we had the new loan documents in place and that they would waive any late fees. I waited and waited. The process for the flood insurance took so long that it eclipsed the XX/XX/XXXX payment date. Again, I asked and was told to wait. In the month of XXXX, I received a call from the prosperity collection team. I was disappointed because I have never been late with a payment and I am super diligent about all of my payments. I also received a delinquent payment mailing in the mail. I communicated with all members of the prosperity staff and expressed my disappointment. I was told that this was going to be corrected going forward. We finally had a closing date setup for XX/XX/XXXX. I was still getting collection mailings despite what was communicated to me, but I ignored them because that is what I was told. I finally setup an autopayment draft during the closing on the XX/XX/XXXX. During the closing, I paid up through XXXX and then on the XX/XX/XXXX, Prosperity successfully withdrew my monthly payment. Thus, in mid XXXX, everything was current. Then I get a credit alert about how I missed a mortgage payment and my credit score had dropped precipitously. To add insult to injury, Prosperity Bank CHARGED ME FOR CLOSING FEES even though they were the source of needing to do another closing in the first place. I finally had had it. I sent the alert notification to the bank and told them that I was reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Total Card, Inc.
State: MA

Complaint narrative:
Vervent/Total Card Solutions has listed a negative remark on my credit report. I have tried disputing the issue. The agency has failed to produce any documentation to prove this account was mine.I have attempted to contact Total Card services and have been advised that they are no longer servicing my account and refused to provide me with any information I needed. I was advised that XXXX XXXX XXXX is now servicing my account. XXXX XXXX XXXX has advised that they stopped all reporting efforts on my credit report. At this time, Vervent/Total Card is on my credit report still listed as a charge off. If the agency is no longer service my account and refuses to prove my account ownership, they should not be allowed to report negatively on my account. I want for this account to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I've applied for a second round PPP loan that is facilitated through Chase bank. After completing a first application I was denied and the reason stated " Insufficient evidence of business having employees on XX/XX/XXXX ; Missing 4 quarters of state payroll and unemployment insurance tax docs for elected period ; XXXX XXXX XXXX XXXX did not provide either XXXX or XXXX Tax Return ; Unable to verify average monthly payroll cost from information you provided '' All documents which were included in the application. I called Chase to figure out what was wrong and they verified nothing was missing or incomplete. I resubmitted another application to receive the denial of " Insufficient evidence of business operating on XX/XX/XXXX. '' Again documentation was verified as received when calling Chase. They have held on to this application for three weeks to send a denial email that is false. Prior to the denial, while checking the status of the loan it stated " awaiting SBA approval. '' I've contacted the SBA and they assured me none of the loans come to them. It's completely up to the lender to verify, approve and issue the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: SC

Complaint narrative:
eqifax is negatively reporting XXXX XXXX to my credit report and according to the FCRA they can't report anything inaccurate or unverified it must be deleted According to the Fair Credit Reporting Act, also Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
Around the middle of XX/XX/XXXX I received a U.S.Bank Reliacard Visa Debit card in the mail. I did not sign up or request this card, nor any other cards. I did not activate this card because I was not sure what it was. After doing research, this particular U.S. Bank Reliacard is part of a huge unemployment scam resulting from the Corona Virus Pandemic. I have contacted several government agengies and submitted complaints. I have spent numerous hours in research, calls, inquiries, emails and appearances regarding this U.S. Bank Reliacard. I have also had to put a freeze and fraud alerts on my credit reports. Someone has tried to use my identity to fraud the government for unemployment benefits resulting from Covid. At the beginning of XXXX I received a 1099-G for Government payments from Ohio Department of Job and Family Services with my information showing that I had received unemployment compensation in the amount of {$8400.00} that needs to be filed with my XXXX tax return. At no time have I EVER SIGNED UP FOR UNEMPLOYMENT - NOR HAVE I EVER RECEIVED UNEMPLOYMENT FUNDS OR BENEFITS.

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 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Golden 1 credit union I was trying to get a loan from online got a letter saying i was approved so went through the steps to get the loan an hour later golden 1 called me saying there was something deposited into my account that was fraud and they are shutting my account down and i beed to pay back what is owed to golden 1 wich is XXXX $ cause i am responsible. Nothing they can do.

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 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
on XX/XX/2021 I applied for a citizens bank one deposit checking account. I immediately received a declined email. there is no information regarding as to why it was declined. upon further investigation into my credit report, i do not have any collections with the institution, I have called the institution and they have been unable to give me information as to why it was declined. i was transferred over to the fulfillment department from customer care, who stated they do no work with previous applications that have been statused. they transferred me back to customer care, after 20 minutes on hold, someone picked up and they stated that they are unable to help me, i would need to speak to fulfillment. I informed them that I just got off the phone with that department and they can not help me. they stated they are unable to assist and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: TX

Complaint narrative:
I have confirmed with multiple pieces of evidence my two XXXX accounts are reporting incorrectly and Experian refuses to correct.

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 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
on XX/XX/2021, I sent NATIONAL CREDIT SYSTEMS , INC 2 LETTERS ( ONE TO MAIN AND CORP. OFFICES ) REGARDING THE ALLEGED DEBT OF XXXX THAT I DO NOT OWE.IT HAS BEEN OVER 30 DAYS AND I HAVEN'T RECEIVED ANYTHING FROM THEM CONCERNING THIS INACCURATE INFORMATION. ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance, ( 3 ) if any amount is due to property damage, then a comprehensive list of any damage done to the premises that is the basis for any charge and true repair bill or estimate dollar value of the repair, and ( 4 ) if any security deposit was retained to offset the balance, proof of mailing of any statement of charges detailing the reason for withholding deposit funds and proof of the letter mailing date. Any contract or agreement sent must be with the original creditor and signed by all parties to it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Google Pay offered a referral bonus of {$21.00} in XXXX ( XXXX ). I completed a transaction subject to the terms of the referral on XX/XX/XXXX ( XXXX ). To date, the referral remains unpaid. I began e-mail communications with the company to resolve this issue on XX/XX/XXXX ( Google_Emails.pdf ). Repeated attempts to follow-up and resolve the issue have been fruitless. The company claims to have simultaneously " escalated '' the issue yet " can't promise a timeline '' on a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I need a payoff letter from BSI Financial stating that my loan is for two properties. They claim that one of the properties is the main loan so they only put the that property on there. The problem with that is I want to refinance this loan so I don't have to deal BSI Financial anymore and the the problems I have had with escrow, insurance not being paid, a website that only updates once a month, and confusing statements. 
My loan documents state this is a loan for the two properties so common sense says the loan payoff should include both properties, otherwise the new mortgage company can't do a loan if it appears only 1 of the properties is being paid off. 
I believe they are doing this so I can't payoff of the loan and they can continue servicing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: CO

Complaint narrative:
I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
I joined XXXX XXXX a while ago to monitor my credit as it was free to join. I was an XXXX XXXX XXXX for over three decades and I got a credit card in XXXX of XXXX. It's the only credit card I have. Because I have paid cash and own my property out right, I haven't needed any credit and just hit an Excellent rating a few weeks ago. 
On XX/XX/XXXX, I received a notice from XXXX XXXX that I had something in collections. I checked and it was a bill for {$350.00} and I knew nothing about it. Nothing was specified except a tree service. I have never ordered a tree service, never have received any written notice, and because of so many scams, I don't answer my phone unless I know the caller or viable message is left. Friends told me it was a scam, so I ignored it. Then today, XX/XX/XXXX, I got more credit card offers from XXXX XXXX, and saw that I didn't have an Excellent rating anymore, but a good rating, and that the collection notice now said I owed {$380.00}. 
A couple years ago, I went away for XXXX, and when I got back, someone had encroached on my property and cut down timber and ruined a thirty year project I had going. I got my lawyer, and settled out of court. Though what I got will not replace the tree 's or the damage. That's all I know about any work being done on my property. And it was settled. 
I have not given any permissions to cut tree 's or do work on my property. I have been home because of Covid-19. If any work has been done on my property, I was never notified and also have not received any bills. 
Before I pay {$300.00} an hour to a lawyer over something I know nothing about, I want to find out my options and I am checking to see if this is a scam and how to handle it. 
Like I said, I don't know who submitted the debt collection against 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 explanation