vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 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: IN

Complaint narrative:
XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  i opened dispute on XX/XX/XXXX. The disputes are as follow as i put them above. The reason for it is because he already open up a dispute prior to the complaint : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  Today is XX/XX/XXXX and we have proofs that the bureaus have violated the same FCRA rules again. i have included inmage that the creditors involve in the complaint have violated Metro 2 Compliance Violation ( Not updating dispute status ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Not Including Creditor Contact Information ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Incorrect or inconsistent Account Number ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: IN

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX Experian Information Solutions Inc . 
XXXX XXXX  i opened dispute on XX/XX/XXXX. The disputes are as follow as i put them above. The reason for it is because he already open up a dispute prior to the complaint : XXXX XXXX  XXXX XXXX XXXX XXXX Experian Information Solutions Inc . 
XXXX XXXX  Today is XX/XX/XXXX and we have proofs that the bureaus have violated the same FCRA rules again. i have included inmage that the creditors involve in the complaint have violated Metro 2 Compliance Violation ( Not updating dispute status ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Not Including Creditor Contact Information ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Incorrect or inconsistent Account Number ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A

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 2020-06-01 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I attempted to order credit reports online. That failed indicating that they could not fulfill the request online. 

They gave a phone number. I called the phone number. Three times in a row, I was in a phone tree, and then a brief phone queue, and the facility reported that the call could not be completed and I should call back again.

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 2020-06-01 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I attempted to order credit reports online. That failed indicating that they could not fulfill the request online. 

They gave a phone number. I called the phone number. Three times in a row, I was in a phone tree, and then a brief phone queue, and the facility reported that the call could not be completed and I should call back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-06-01 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: TN

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account numbers XXXX*** ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My wife and I recently applied to refinance our mortgage. While in the process of doing that we received an update of our credit score : It was 100 points lower than the last time we checked, which was in XX/XX/XXXX. This was received XXXX XX/XX/XXXX. 

Wondering why it had changed, I tried to access my credit reports online. I could not access XXXX  and XXXX, but I received a summary from TransUnion, but not a complete report. This happened on XXXX XX/XX/XXXX. 

The TransUnion did not indicate ANY bad information, although it was missing a state of balance from XXXX XXXX in XX/XX/XXXX. Of course, that had been on the books since then. 

I proceeded to file a dispute about the credit numbers with TransUnion, but the Website did not proceed past a certain point. 

Accordingly I called TransUnion this morning to dispute the item by phone. This happened today, XXXX XX/XX/XXXX. They simply cut me off saying this could not be handled by phone at this time. 

I also, and noted in a separate complaint, that I could not order a paper copy of my credit report either by the Web site or by phone, so I can not proceed with the process any further. This happened today, XXXX XX/XX/XXXX. 

Regarding XXXX  and XXXX  ... I could not even see their version of the credit reports online, nor was I able to dispute or call them successfully. 

Accordingly, the same complaint is being submitted regarding 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 2020-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, my mother passed away leaving an IRA with SunTrust Bank in the amount of {$41000.00}. Her beneficiary was listed as her Trust. In XXXX, XXXX, I, as the trustee, submitted an Affidavit of Trust and a copy of the complete Trust to SunTrust requesting that they release the funds to her three beneficiaries. They refused at first but then after much diligence on XX/XX/XXXX, they opened ( 3 ) beneficiary IRA accounts for each of the beneficiaries and provided us with receipts. However, they never funded the accounts and therefore none of the beneficiaries have been able to transfer their funds.

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 2020-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX and I have a safety depoit box at Citibank in XXXX. Due to Covid-19, the bank has been " temporarily closed. '' However, although other banks and businesses in the area have reopened, this bank remains closed and no one has answer as to if and when they will reopen. It is very frustrating for me because I have belongings in that box that I need to access but am unable to. I have called the branch, nearby branches that are open and I even called the 1-800 customer service number but no one has answers. At this point, I need answers and would like to withdraw my belongings and be done with Citibank.

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 2020-06-01 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: AL

Complaint narrative:
I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$1600.00} XXXX  XXXX {$370.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: FL

Complaint narrative:
See attatched Equifax Report XXXX Account XXXX reported by XXXX as Certifed Accurrate XX/XX/XXXX. ERRORS : 1 ) THIS IS NOT MY ACCOUNT See statement MC end XXXX XX/XX/XXXX. 2 ) Clearly as reported THIS DID NOT CLOSE XX/XX/XXXX and has a different account # 3 ) See XXXX Account XXXX Opened XX/XX/XXXX THIS WAS OPENED FRAUDULENTLY REPORTED AS ID THEFT case XXXX in XXXX & CLOSED XX/XX/XXXX *THIS IS NOT MY ACCOUNT. I DEMAND EQUIFAX DELETE THESE ACCOUNTS OR PROVIDE DRS LICENSE AND ORIGINAL WRITTEN SIGNATURE TO VERIFY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I have been mislead by Wakefield and Associates. I have been actively paying old medical bills. I received an summons and called immediately to resolve my account. I even faxed my lengthy court summons to my case manager XXXX and inquired why wasn't the debt included with my other accounts. I also questioned the age of the debt being past statue of limitations and she initially seem confused about an summons being issued to me. It took her some time to research the summons being issued which is why I faxed over the documents. XXXX informed it was NOT necessary to go to court and we would continue our payment arrangement. She never mentioned that court cost would be tact onto my medical bills owed. They also apply payment from newest to oldest debt. Which I stressed the oldest debt should have received payment first hence the result of the summons. I disputed the court cost of {$120.00}, directly on their website and made a {$50.00} payment towards my medical bill. I logged in today to pay the remaining {$61.00} that was owed and discovered my payment was applied to court cost added in XXXX of 2020. This is unfair and unjust. I was informed the court fees would not be removed. Now XXXX claims she never advised it was not necessary to come to court, I had opportunity then to dispute this, refer to my packet and made a snide remark that the court summons got my attention for payment. I requested that my payment be applied to the medical bill and was informed it would take a week for the adjustment. Even with hardship, I have paid {$660.00} to them. I have attached the cover sheet of their summons indicating " You are welcome to contact wake & associates, inc to discuss this matter prior to your court date. Please note that although we can discuss your account and payment of them, we can not provide you with legal advice. please be advised that that costs, what may be awarded, have been incurred and are not specifically included in the suit balance. If you contact our office immediately, you may be able to avoid additional court costs ''. 

I reached out immediately for arrangements and made payment. Court cost fees is unfair and unjust. I have paid previous medical bill garnishment with this company in the past. This company is money hungry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: DC

Complaint narrative:
On or about the month of XX/XX/XXXX, I received a phone call from XXXX the administrator of XXXX XXXX XXXX XXXX, referencing the dental bill balance of {$110.00} will be written off and she would notify the collection compant. After retrieving my credit report, The Capital Accounts collection company account # XXXX is continuing to list this negative debt on my credit report with " XXXX  '' and is continuing to violate Sec. XXXX. [ 42 U.S.C. 1320 a-7b ] of the XXXX XXXX XXXX XXXX. In my previous complaint # XXXX I explained that I am a XXXX recipient/secondary health insurance XXXX  and XXXX XXXX XXXX XXXX in which that information was given to Capital Accounts. According to Mr. XXXX a representative of the capital account collection company there has been one attempt on XX/XX/XXXX to contact XXXX XXXX 's office at XXXX and there has been no return response. Although I filed a complaint in XX/XX/XXXX the negative reporting is continuing to be listed on my credit report and this issue is still ongoing. After speaking with the XXXX XXXX XXXX claims department it was stated to me that XXXX XXXX office is violating the XXXX contract or agreement at the time that service was rendered. Since then and after XXXX notified me by phone, I assumed we all have moved forward from the issue and the XXXX  office resolved this matter with Capital Account. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Starting on the XXXX of XX/XX/2019, I fell victim to a sophisticated fraudulent Scam merchant company by the name XXXX XXXX XXXX XXXX ( the Scammer ). Money was transferred from my account to the Scammer via a wire transfer for a total amount of XXXX EUR, utilizing Coinbase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: FL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-01 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: FL

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have been paying my mortgage on time every month for years. My mortgage contract requires that I escrow taxes and property insurance so the funds are available to pay both taxes and insurance when they are due. My property insurance bill was due on XX/XX/2020 and Mr. Cooper has refused to pay the premium even though the funds are in my escrow account. I have called Mr. Cooper 8 times, faxed a copy of my insurance policy to their insurance department, and begged them to pay the bill. They refuse to pay the bill, are withholding my funds and the bill remains unpaid. This is a default under our mortgage contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: FL

Complaint narrative:
XXXX XXXX Unauthorized charges successful iconSubmitted XXXX  XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX XXXX Unauthorized charges successful icon

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