vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called citi bank because there was a lot of bank fees making my account overdraft by XXXX I explained to the representative that I had been affected by covid and if there was someone I can speak to about being able to remove these charges the person that I was transferred to as I was explaining myself Stating my situation said to me NO YOU DONT WHEN I SAID I UNDERSTAND THAT when I asked to speak to his manager because he was basically saying I was lying he said theres no manager for you to speak to I said can I please have your name I dont like the way you are speaking to me He said no and hung up on 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 monetary relief
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems PARKED a bill that I paid XXXX in full per settlement agreement amount XX/XX/2020, on all 3 credit bureaus. I have reported to your department as well as FTC with the transaction from my bank account. However, I was unjustly served. So today XXXX, Im going to provide I did pay this bill in full with the statement letter enclosed with paid in full terms and the confirmation number. I demand my rights to correct Credit reports be upheld. Please have this item removed immediately from my all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Under hard inquiries on my experian credit report, XXXX/XXXX is scheduled to be removed XX/XX/2021 with no specific date, just, XXXX XXXX.Requesting this Hard Inquiry to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Attempted to refinance my home loan through Ally. The original offer they will obide by. I was offered XXXX with a credit of XXXX points. I asked about rolling my closing costs into loan. They did not inform me that it would make me pay XXXX dollars more in points. Every few days they keep adding more fees and when I ask a question they do not answer me. I have asked them told them multiple times I am unsure u want to continue with loan and they keep moving it forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I sent out a round of disputes a while back with zero response from the bureaus, did they even process them? I am seeking a resolution on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent out a round of disputes a while back with zero response from the bureaus, did they even process them? I am seeking a resolution on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: AZ

Complaint narrative:
I sent out a round of disputes a while back with zero response from the bureaus, did they even process them? I am seeking a resolution on my credit.

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

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I still haven't received a response. I feel as though I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so the items should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress that this has caused me. My information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I still haven't received a response. I feel as though I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so the items should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress that this has caused me. My information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: TX

Complaint narrative:
I have disputed an account with Transunion requesting that they investigate further into my XXXX collection. I have sent them letters directly from XXXX proving that they sent the notice of sale and the rights to cure to the incorrect address. In a previous complaint response in this forum by Transunion they stated XXXX verified my current address, and other personal information, which is more proof that they have the correct information for me. The issue is they mailed out information that I am by law supposed to have in writing to an incorrect address after knowing my correct info as Transunion stated to a response in this forum. So now I know, and Transunion knows, that XXXX has accurate and current info. The issue is why wasnt those pertinent documents sent to the correct address but everything else was? Transunion stated they investigated it but its nearly impossible because I provided documentation that the letters were sent to WRong Addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has Been More Than 30 Days Since I Mailed My Disputes To XXXX XXXX, Experian And XXXX. I Haven't Received A Response From Either Of These Bureaus As Required By The The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a check for {$2200.00} into my account at Wells Fargo, in person, inside the branch in XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, on Wednesday afternoon, XX/XX/XXXX, the money left my husbands account on Thursday XX/XX/XXXX, but still has not been deposited into my account and however, WF claims that there were not sufficient funds in my husbands account ( even though the money was already taken out of his account ), and WF refuses to deposit it into my account. This is called stealing. WHERE IS THE MOENY? WHERE ARE THE {$2200.00}? 
Wells Fargo Claims the funds will be made availabel around XX/XX/XXXX - hence : they are admitting that they DO have the moenY! 
Otherwise how can they confirm that they will release the funds on the XXXX when they claim they have not received the money? This is controversial. 
They are lying and giving us false information and withholding our money that we need TO PAY RENT TODAY. 
What are they doing with our money for 12 days? 

RELEASE OUR MONEY IMMEDIATELY! 
You want to be responsible for us being homeless? You steal our money and don't let us pay our bills with our hard earned money? What kind of bank are you not letting us use our own money? 
RELEASE IMMEDIATELY - NO LATER THAN XX/XX/XXXX by 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 2021-01-01 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: CA

Complaint narrative:
It has Been More Than 30 Days Since I Mailed My Disputes To Trans Union, XXXX And XXXX. I Haven't Received A Response From Either Of These Bureaus As Required By The The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
It has Been More Than 30 Days Since I Mailed My Disputes To XXXX XXXX, XXXX And Equifax. I Haven't Received A Response From Either Of These Bureaus As Required By The The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I contacted Nelnet severs times to get my issue resolved. I no longer have an account with Nelnet due to my account being transferred to XXXX. I participated in a second chance six month program where they recouped over {$7000.00} of my income tax, and I paid 6 ontime payments. This program was to allow me a new loan with a different company which is XXXX and completely transfer the loan. I have no dealings with Nelnet nor have I had any action on that account since before 2013 and it should not be showing late payments at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed collection accounts : # XXXX # XXXX directly with XXXX XXXX XXXX and they advised me that these false accounts " have been returned to XXXX ''. 
I have no knowledge of who XXXX is or why these disputed accounts " were returned '' to this XXXX  company, but in any case these accounts should not be reported by XXXX XXXX now so please delete these false accounts asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2019 Synchrony Bank wrongly transferred {$10000.00} from my XXXX XXXX savings account to my Synchrony Bank savings account. Wrongly because I had already asked them to close this specific Synchrony savngs account at maturity XX/XX/2019 and send the {$10000.00} to me. But instead they transfered an additional {$10000.00} from my XXXX XXXX savings account. So now the total to Synchrony Bank is {$21000.00}. And today after a few months that account balance is now up to {$22000.00}. Please return that money to 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
Consumer complaint received 2021-01-01 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: DE

Complaint narrative:
i called XXXX about a debt to be settled for deletion on XX/XX/XXXX XXXX ; XXXX i was forwarded to the accounts dept for credit reporting the representative informed me there was a balance of XXXX in which i told the agent the i cant afford. she said said well we can settle this amount for {$310.00}. i said thats only {$15.00} decrease but thats still to high for me. after a couple of minutes of negotiating she said to me, can you do {$210.00} by the XX/XX/XXXX. we both agreed that this amount would settle and delete this account from my credit reports. so we agreed that i would make two installments to clear up the debt. XX/XX/XXXX i made a payment of {$110.00} and when i made a payment of {$100.00} on the XX/XX/XXXX. i was told by another representative after immediately after that i still have a balance and that XXXX doesnt settle accounts. i said a rep there told me that after i make this payment the it would resolve and delete this XX/XX/XXXX account of my reports.they made me call XX/XX/XXXX ( XX/XX/XXXX) i called the about the issue and they told me there was a balance for XX/XX/XXXX of {$110.00}. i said i dont have a balance.explained to the rep what happened and i told them that i dont intent to pay anyone more money that i dont have since i was lied to. the rep said the would settle and close and delete the account for $ {$58.00} which i paid on XX/XX/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 2021-01-01 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: ERC
State: DE

Complaint narrative:
i called XXXX about a debt to be settled for deletion on XX/XX/XXXX XXXX ; XXXX i was forwarded to the accounts dept for credit reporting the representative informed me there was a balance of XXXX in which i told the agent the i cant afford. she said said well we can settle this amount for {$310.00}. i said thats only {$15.00} decrease but thats still to high for me. after a couple of minutes of negotiating she said to me, can you do {$210.00} by the XXXX XXXX XXXX. we both agreed that this amount would settle and delete this account from my credit reports. so we agreed that i would make two installments to clear up the debt. XX/XX/XXXX i made a payment of {$110.00} and when i made a payment of {$100.00} on the XXXX of XXXX. i was told by another representative after immediately after that i still have a balance and that XXXX doesnt settle accounts. i said a rep there told me that after i make this payment the it would resolve and delete this XXXX account of my reports.they made me call ERC ( enhanced recovery company llc ) i called the about the issue and they told me there was a balance for XXXX of {$110.00}. i said i dont have a balance.explained to the rep what happened and i told them that i dont intent to pay anyone more money that i dont have since i was lied to. the rep said the would settle and close and delete the account for $ {$58.00} which i paid on XX/XX/XXXX.

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

Complaint narrative:
I have disputed collection accounts : # XXXX # XXXX directly with XXXX  XXXX XXXX and they advised me that these false accounts " have been returned to XXXX ''. 
I have no knowledge of who XXXX is or why these disputed accounts " were returned '' to this XXXX company, but in any case these accounts should not be reported by XXXX  XXXX now so please delete these false accounts asap.

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

Complaint narrative:
I have disputed collection accounts : # XXXX # XXXX directly with XXXX XXXX XXXX and they advised me that these false accounts " have been returned to XXXX ''. I have no knowledge of who XXXX is or why these disputed accounts " were returned '' to this XXXX company, but in any case these accounts should not be reported by XXXX  XXXX now so please delete these false accounts asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I opened the account with XXXX XXXX, where they told me that there is not monthly charges for the account with FREE checking. It was that way for a while. Then M & T bank acquired the XXXX XXXX. My account moved to M & T and they honored the term for years. 

I find a monthly fee ( {$2.00} ) for getting monthly paper statement suddenly. I have sufficient balance and bank is not paying interest for my account. There is no interest option with this bank. 

I asked them to waive my monthly fee or provide quarterly paper statement instead of monthly. They did not honer my request. 

They are asking me to signup for electronic delivery and forgo paper statement to waive the FEE. When I review this option, it is asking to me sign up to receive all bank communication electronically. I am not sure, it is a good idea. I need docs for records. 

I am not sure, shifting of making the statements to customer fair/helpful. 

I need your help to get my paper statements without any FEEs. 

Regards 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 2021-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
In XX/XX/2020, I started the refinance process in NY with Mr. Cooper ( formerly Nationstar ). The loan officer XXXX XXXX provided me a loan estimate with a 3.25 % interest rate after a 1 % point purchase without my knowledge. After a few months of them processing the loan, closing was scheduled in XX/XX/2020. I learned of the average interest rate at that time and realized they were charging me a much higher interest. I received a loan estimate from another bank, and they offered me 2.75 % with 0 points. I brought this to the attention of my loan officer and he said company will match it with extra {$500.00} fee. I then asked him if the original points would be removed from the loan and he said no. I was forced to buy points without my consent for an interest rate much higher than the average. Then when he said he would match the other bank 's offer, he refused to remove the points but only matched the interest rate to 2.75 %. Why am I forced to still buy points if my interest rate is not going to be brought any lower?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the following account under FCRA : XXXX XXXX XXXX account XXXX Experian refusing to investigate Please delete asap

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