vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : FED LOAN SERV-XXXX-Balance XXXX XXXX-Date opened XX/XX/2009 FED LOAN SERV-XXXX-Balance XXXX XXXX-Date opened XX/XX/2009 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 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: OH

Complaint narrative:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent information from my consumer report and from there internal data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have filed 2 previous complaints on the same problem with Bank of America : STATUS 'Company responded on XX/XX/XXXX  The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint '. 

The Company did NOT send a response to me. And, I'm not calling them. They scare me and that's why I filed with CFPB. I need help. I don't want to talk with them besides my having hearing difficulties. Right now Bank of America is charging me interest on this contested XXXX amount. They're bullying me .... 

I closed that account with BOA and opened up a new debit card with my bank. In 2 months time I spent XXXX on the new card. I'm spending about XXXX a month.

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 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/XXXX I reported fraudulent activity to Barclay 's fraud department for the following : 2 charges at different XXXX stores on XX/XX/XXXX for a total of {$220.00} 1 charge at XXXX XXXX on XX/XX/XXXX for {$110.00} 4 charges at different XXXX  stores on XX/XX/XXXX for a total of {$440.00} They sent a letter on XX/XX/XXXX stating they investigated and XXXX to be valid and removing credit from my account. 
They sent a letter on XX/XX/XXXX stating that investigation is completed and I am not responsible for fraudulent activity. No amount was given. The credit for XXXX remains on my account but when I called to ask for the remainder to be credited ( {$550.00} ) they stated the investigation had been closed and merchant proved they were valid. How did they determine only two of the 6 charges at XXXX are fraud while the other 4 and 1 at XXXX XXXX ( all in different cities ) were valid? I want the full amount credited because it is obvious I could not have made the charges ( other valid charges on the same day had me and my card which was in my possession located in a different city ). Please help me resolve this dispute.

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 2021-10-19 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: MD

Complaint narrative:
I recently checked my credit report and noticed some inaccuracies on my credit profile. These inaccuracies have prevented me from getting approved for an apartment and now i am homeless and desperately need a place to stay. I am going thru an ongoing divorce and have lost everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On my XXXX credit report, via XXXX XXXX, I noticed that in one day my points dropped XXXX points. Nothing in my credit shows any reason for an XXXX point drop. I have asked for an explanation from TransUnion and have not received one. XXXX point drop by any means is a huge amount and would have to default on all my loans, etc. My loans and credit are in good standing. I need it fixed and an explanation.

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 2021-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: MI

Complaint narrative:
Predatory lending taking advantage of COVID-19 distress situations. High interest rates. This company is not license to offer and disburse loans in Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Account Name SUNRISE CRED Account Number NA Date Opened XX/XX/XXXX  Balance {$180.00} Collections is not from original creditor. I do not owe Sunrise Cred- {$180.00}. I never heard of Sunrise Cred and I never did a contract with them. 

These people billed me for {$480.00} but I it says on my credit report {$180.00} this is very inaccurate. They are reporting false information and this is very confusing.

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rozlin Financial Group, Inc.
State: IL

Complaint narrative:
repeated harassing phone calls from the company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EnTrust Funding
State: CA

Complaint narrative:
Received a mailed advertisement offering a 30 year fixed rate of 1.875 % APR 2.089 on XX/XX/XXXX. I called immediately upon opening the mail, XXXX the same day. The company representative, XXXX XXXX, explained that he was with EnTrust Funding, LLC, DBA of XXXXXXXX XXXX XXXX. He asked me questions about my qualifications and took my date of birth, address, email, phone number and social security number over the phone and said he wasn't sure he could still honor that rate event though I was calling the same day I received the letter. He said he would get back to me with a quote after pulling my credit. I answered all of the questions he asked about my qualifications. When I didn't hear back from him, I called the next morning XX/XX/2021, and was told he could not offer me that rate. I asked what he could offer, and he said he couldn't help me. However, rates have not gone up more than a quarter of a percentage point over the last three weeks, yet he said he couldn't give me anything close to what was advertised, despite the fact I have a perfect mortgage credit score, perfect debt to income ratio, and over 50 % equity in my primary residence. I asked why they would mail out a rate offer that they never intended to honor and he told me " Sorry I can't tell you why, I just can't help you. '' How is this legal? A 30 year fixed rate with an APR or 2.089 at 1.875 % hasn't been available ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
Collection Service of Athens reported collections on my credit report. This debt was paid to the medical provider and should not have been sent to collections. I never received notice that the medical bill was going to be sent to a collections agency. 

I am requesting this be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Hi, This is a complaint against Citi Bank credit cards. On XX/XX/XXXX  I placed an order on XXXXcom for a device in the amount of {$220.00}. At the end of XXXX I asked the company for a refund, because the product had not been shipped. The customer service representative agreed to refund, but no refund was ever issued. So I contacted the credit card company and disputed the charge. They " investigated '' for about two months and a week ago they sent a letter saying that they will not refund me the money. So now, three months after the purchase date, I have no product and no refund. According to Citi Bank there is nothing I can do. I believe Citi Bank is violating the Fair Credit Billing Act. They don't provide consumers any protection against merchants who take their money and don't ship the products. 
Please let me know if there is anything you can do. I have attached the order invoice, and the letter from Citibank saying they will not reverse the charge. I have also attached the communication I had with the company asking them to cancel order and issue a refund. I have sent them several emails since XXXX, but there was no reply thus far. 

XXXX 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 2021-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
On Tuesday XX/XX/, I had about 19 outstanding odds pre approvals for loans, about 7-9 of them were from onemainfinacial for up to XXXX. I applied for the loan due to outstanding odds and excellent pre-approval rates. When I applied, i immediately got an inquiry on XXXX, yet the rep told me they can't process my application " due to a county wide flood watch " " in my county New York, due to the hurricane, one main was not allowed to process loans in my area " I live in XXXX with credit score well over 700. I called back and asked how was that possible when I was referred to apply for a loan from a family member in area, they said send a tax return and said they can't approve it due to tax return. I told them that I along with millions of other Americans had minimal work during the Pandemic ( I still worked briefly and paid taxes which reflects on my return ) and they said that doesn't matter and it's understandable for me to complete the application ( I got a inquiry and was basically denied and discriminated against before my application fully processed ) .after denial I'm still at excellent approval odds for a loan double the amount. Clear lies, deception and unfair lending practices. I'm taking this level of discriminating and unfair lending practices to court to seek monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
PENFED Credit Union Keeps Telling me I need to send them the title in there name Colorado is an ELT state and took the tile. I am not able to get the ELT as State said that is PenFeds Job now they raised my interest to 14 % and now I can not afford the car payment Should I Sue Them ..... I have called them many times in the last week and been told ok yep that is what we need and every time i call back it is not.. I have gone to XXXX and Called they did there job now PenFed Needs to due theirs is what i am being told..

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 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 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: TN

Complaint narrative:
Hi my name is XXXX XXXX. On XX/XX/, I sent a letter regarding inaccurate and unknown things on my credit report. To at the present time, over 30 days later, I actually have not received a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to investigate those items inside 30 days offers a purpose to without delay do away with those objects from my credit score record. Its been over 30 days so that they ought to be deleted directly. I demand that these debts be deleted at once or I will file for litigation due to the strain you have got triggered me. My facts became additionally impacted via the Equifax data breach and might have gotten into the fingers of the wrong man or woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
Upon checking my credit report recently, i observed my credit score went down because of a collection item from a third party debt collector EOS CCA for XXXX that didn't belong on my credit report. After this on today 's date i debt verification letter was mailed to them certified mail, with a complaint from the XXXX  to be filed at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX verified late payments that they deem to be incorrectly reporting XXXX and Transunion had a open dispute They stayed XXXX reported the payments back on my account

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 2021-10-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX verified late payments that they deem to be incorrectly reporting Equifax and XXXX had a open dispute They stayed XXXX reported the payments back on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank has closed one of my checking accounts that had {$450.00} deposited in it. As per the bank request I have opened a new checking account to replace the old one with the promise that my funds that were in the closed account would be transferred into the new one. This has happened about 2 months ago and ever since then Ive been trying to get my funds available. I have exhausted all means to resolve this issue with Chase bank. I have gone to their branch twice and I have called their customer support services twice as well and I am always promised they will send me a check and that I should wait for it. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America BOA issued prepaid debit card with no security chip. On XX/XX/2021, an ATM skimmer fraudulently stole card number and pin number. Everyday in XXXX the skimmer went to different BOA branch ATM and withdrew maximum daily amount, {$1000.00}. Total loss {$28000.00}. No warning or alert from BOA. BOA refused to refund money fraudulently stolen from account.

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent in a letter to correct my personal information on file. sent all proof they need please up it

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent in a letter to correct my personal information on file. sent all proof they need please up it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX/XXXX/201, I applied for a loan with XXXX, a company that uses Experian Clarity Services. I was denied credit because Clarity Services was unable to verify my identity. I called Clarity Services, as indicated in the denial letter revived from XXXX, and could not get anyone on the phone to discuss or resolve the issue. The same thing happened when I called the parent company, Experian. Nobody was able to help me and they impact peoples lives.

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