vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 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: MA

Complaint narrative:
Dear Manager ; ***please see the attachment**** Im really shocked on what Im seeing right now! - If you see this negative account listed below on my credit report, you will noticed that there is no way that this account was indeed investigated truthfully through your organization. 

For example ; this XXXX XXXX # XXXX thats reporting on my credit report as a CHARGE-OFF / COLLECTION is claiming to have a 3 DIFFERENT HIGH BALANCED, 3 DIFFERENT DATES OF LAST ACTIVE, 3 DIFFERENT DATES OF LAST PAYMENT, REPORTED ETC. Also youre reporting the account closed but you have failed to report or list the closing date or date of 1st delinquency which determines when this account drops off my credit report.. As you know the aforementioned inaccuracies, misleading, and incomplete information is a violation of my rights as a consumer, and also clear indication that this information was never truthfully verified by your agency upon receiving several of my previous disputes. I have faith in your organization to be an outstanding company and protect the rights under the provisions of FCRA. As screenshot of my credit report below, please send me updated copy of my credit report with the above deletions reflected. Ive asked on several of my dispute that creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account, because upon reviewing my credit, I have noticed so many discrepancies with the way it was reporting including questionable balance, questionable and inconsistencies of dates of last active, last payment, last reported, etc. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: MA

Complaint narrative:
Dear Manager ; ***please see the attachment**** Im really shocked on what Im seeing right now! - If you see this negative account listed below on my credit report, you will noticed that there is no way that this account was indeed investigated truthfully through your organization. 

For example ; this XXXX XXXX # XXXX thats reporting on my credit report as a CHARGE-OFF / COLLECTION is claiming to have a 3 DIFFERENT HIGH BALANCED, 3 DIFFERENT DATES OF LAST ACTIVE, 3 DIFFERENT DATES OF LAST PAYMENT, REPORTED ETC. Also youre reporting the account closed but you have failed to report or list the closing date or date of 1st delinquency which determines when this account drops off my credit report.. As you know the aforementioned inaccuracies, misleading, and incomplete information is a violation of my rights as a consumer, and also clear indication that this information was never truthfully verified by your agency upon receiving several of my previous disputes. I have faith in your organization to be an outstanding company and protect the rights under the provisions of FCRA. As screenshot of my credit report below, please send me updated copy of my credit report with the above deletions reflected. Ive asked on several of my dispute that creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account, because upon reviewing my credit, I have noticed so many discrepancies with the way it was reporting including questionable balance, questionable and inconsistencies of dates of last active, last payment, last reported, etc. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: CO

Complaint narrative:
I received a Debit Visa card in the mail today. It has my name on it and an account number. I did not solicit this card from US bank! This is a fraudulent account. It was sent in the US mail to me. I have not requested this card and I have no need for a card. I am very concerned about the information that is on this card, there is no reason for me to have asked for a card from this company or from the government. I want this stopped!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
Since being placed with University Accounting Services for my Stafford loan. There has been nothing but trouble. Last year they continued to report incorrect information to XXXX XXXX. I would continuously dispute it would be good and then the next month they report it again. Now the continue to add payments do in the same cycle after I pay. I called and the say it will be fixed and it is not fixed. I am concerned they are going to say I have a late payment which would be false. Lastly, their statements are not easy to understand they have random large interest charges then a bunch of reversals its like they dont know what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
CitiBank provides an online means to pay your bill. The site has general selections to pay your bill that are as follows : Minimun due - This is the minimum amount you must pay to avoid going late.. 

Last Statement Balance - This is the amount you owe from your most recent statement dated ( Month day, year ).

Current Balance - This is the total amount you currently owe.

Custom Amount My issue is with the statement that the current balance implies that it is a total of what you owe to pay off your debt. In speaking to two different representatives, one via instant message offered on their website and one over the phone on a recorded line, This is not a current amount and I was charged interest on the previous two months statements. I was also informed that the interest is accrued daily but is charged to the account at the end of the statement period. I asked then what is the difference in having the options to pay the " Last Statement Balance and the Current Balance? '' I was told that the interest was not previously in the " current balance. '' When I asked the representative on the phone what current means to them they agree that it meant up to the day. I asked why they couldn't then have had the previous two statements interest already calculated in the current balance since they accrued it daily. I was apologized to for the confusion but was never answered about why there was an option for paying the Last Statement Balance and a Current Balance when there was nothing current about the " current balance. '' This is not only misleading but an outright lie. If you can accrue the interest daily then it should not be that difficult to provide the current balance you are showing as a payment option to make it a factual current balance. For the record if the interest was included in the " Current Balance '' when I chose that payment option I would have included it in my payment. To add insult to this I was informed that the interest was from an amount that was roughly half of my last two statements and so even saying that is where the interest is accrued from is a lie.

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 2020-12-11 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: IL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CONVERGENT OUTSOURCI - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc.
State: PA

Complaint narrative:
This company is attempting to collect a debt on a rental agreement I originally had with XXXX XXXX. The debt was already discharged in Philadelphia Municipal Court, and by the original creditor, in an attempt to avoid being sued for mold exposure. I forwarded the legal judgment for XXXX dollars to the debtor when they first contacted me. They reported this debt to XXXX  anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
We were on mortgage forbearance for 3 months due to Covid. In XXXX we requested 3 additional months of forbearance extension. The bank keeps telling us we are in " review '' and will not give us a final decision. They kept asking for the same documents over and over again. We sent everything, I called them every 3 or 4 days to see if there was a decision, on the phone they always say " you're in review for a decision, don't do anything, wait for a letter from us. '' Now we're getting letters from them saying we are delinquent, this mortgage has been reported to credit bureaus as " seriously delinquent '' and we're getting foreclosure letters. But when I call the bank and tell them, they tell me we are still in review, in good standing, and we will get a letter with the decision, and to ignore the " foreclosure '' letters as that is just something that happened " by mistake. '' It has been several months like this. We don't know what to do. We want to wait and see if our forberance extension is approved. But we're now seriously worried, first the foreclosure letters and now the credit bureaus show our loan as delinquent. 
Please help me get an answer from this bank, Specialized Loan Servicing LLC, as we don't know what else to do. Before Covid, we always paid our mortgage early, we paid extra each month, and should not be treated this way by SLS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America continuously, illegally puts holds on perfectly good checks. 
On XX/XX/XXXX Bank of America put illegal holds on XXXX  tenant 's rent checks that were in a ATM deposit of {$45000.00} made on XX/XX/XXXX. EVERY CHECK IN THE DEPOSIT. They illegally deprived the account holder of their entitled money. I received from Bank of America XXXX emails, one for each check held, that stated the reason for the hold was, " A hold was placed on your check ( s ) because check specific information indicates item may be returned '', examples attached. There was nothing wrong with the checks. One check was mistakenly read by the ATM machine as {$3900.00} when it really was for {$2900.00}. The Bank of America customer service woman looked at each check and stated there should not have been a hold placed on them, and started the process to release the holds.

Even if one check has a problem it is unacceptable for the bank to put a hold on every check in the deposit. 
Bank of America did this, put a hold on all checks in the deposit when there was nothing wrong with them, twice before. All checks in the deposits of {$53000.00} on XX/XX/XXXX and {$46000.00} on XX/XX/XXXX were put on hold. They stated there was CHECK SPECFIC INFORMATION INDICATNG THAT THE ITEM MAY BE RETURNED. They are lying.

This is the third time Bank of America has illegally held our funds.

They must be stopped from doing this. And if they do it they must be penalized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
On XX/XX/2020 I mailed a letter asking for validation an alleged debt. I only received an account summary which was not debt vaildation. So I wrote another letter on XX/XX/2020 addressing that. My requests were ignored on two occassions and I know the letters were received because I mailed them certified with return receipt so i could know. On XX/XX/2020, I noticed this illegal debt was still showing on my credit report so I mailed another letter to them of estoppel by silence which I read about online. On XXXX XX/XX/2020 they sent me correspondence again which stated it was an attempted to collect a debt and sent an account summary and a bill again which is not debt validation. On XX/XX/2020, I mailed another letter addressing that it they didn't validate the debt per fdcpa. On XX/XX/2020, they mailed me more correspondence which clearly stated this is an attempt to collect a debt a nd just basically said that they manage LVNV Funding LLC. To date, this illegal debt is showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020. 

I sent a secure message to the bank asking them to close my account. 

They replied on XX/XX/2020 saying that I need to go to the branch. 

Theres a global pandemic going on and I have elders at home so I cant risk going out. 

One month later XX/XX/2020 they still havent closed my account and now its over drawn from monthly fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
I filed complaint # XXXX with CFPB on Discover. XXXX at Discover called and I thought he understood. He said he would call back after review. That didn't happen and I received the same ole information I have always received from Discover. This complaint is because XXXX didn't do as he said and call after his review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: IL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: IL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: TX

Complaint narrative:
XXXX and Experian, please review the following complaint against your client and XXXX XXXX XXXX XXXX. Is XXXX correct and they don't provide credit reports used for their loans and you provide? I am not going away. 
I have repeatedly requested the credit report used for the XXXX XXXX XXXX XXXX loan # XXXX. My requests have been ignored and repeatedly called duplicate on Consumer Financial Protection Bureau. So I called XXXX today to request a copy. The gentleman went offline to request from that department. After an extended wait, he instructed me XXXX didn't provide credit reports and I would have to call dealer or credit bureau.??? I thought he misunderstood so I told him that I needed the report used for the loan, He said understood. I told him that it was law for the companies to provide the credit reports used for the loan. He went off line again and came back with the same news. And then he admitted that XXXX didn't have a copy of that credit report and I would need to get from the credit bureaus or the dealership.?? I am sure all of this was taped for XXXX 's review. Now everything makes sense. His superiors were just telling me a story and XXXX repeatedly calls my requests and complaints duplicate because they can't just say they don't have the credit report. Attached is the credit report and application used for the other car purchased in my name same day, same dealership. The other lender was XXXX XXXX XXXX, After XXXX reviewed the information and dates on application and credit report, they immediately dropped the claim. It is obvious the credit report was accessed before application and permission.I have again attached the application used for XXXX XXXX XXXX XXXX. It is the undated one used to access my credit report and completed the day after pulling my 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