vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i asked XXXX XXXX if they could correct this problem and they told me they will look into it 4 weeks ago abd still havent heres problem Account info Account name XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Mortgage Date opened XX/XX/XXXX Account status Open Payment status Current, was past due 90 days Status updated XX/XX/XXXX Balance {$90000.00} Balance updated XX/XX/XXXX Original amount {$110000.00} Paid off 21 % Monthly payment {$1400.00} Past due amount - Terms 360 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX On time 30 days late 60 days late 90 days late Data unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Comments Account information disputed by consume im still trying my hardest to try and straighten this out can you help out

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 2021-12-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i have previously contacted XXXX, XXXX, and Experian on my behalf through certified mail and requested that all credit inquiries not linked to an active account be deleted from my profile because i do not recognize them and nor did i authorize them. Per consumer law they are not to furnish any information on my credit report without my prior consent, which i did not give.

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 2021-12-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX gave me a date of XX/XX/XXXX or XXXX of 2020 I believe. I was not aware of a credit card application that I didnt approve through XXXX affiliation with CitiBank that opened up on my credit report on XXXX XXXX Im reporting a fraudulent issue, complaint, and would like it removed. I contacted XXXX, Citibank and was told of no report through my full name & social that they did not see nor have one on file.

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 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The agency has never received consent from me to have my information. According to the Fair Credit Reporting Act, a permissible use is written consent and directions from me as the owner of the consumer report. I am instructing your consumer reporting agencies to remove address XXXX XXXX XXXX, XXXX, PA 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 non-monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
I Have sent PennyMac Services numerous Notices and Affidavits to rebut my facts about the validation of an alleged Debt and all i have been receiving from them are Copy 's of statements and old papers " Not originals with my wet ink signature as asked to prove the authenticity of my own autograph. I have gone through the proper procedures asking to settle the matter by ways of the Complete administrative Process, The response that i have asked for was inaccurate that proved i the Living woman owed this alleged Debt. I have all the supporting documents i will attached herein. As a results i have Forward a Notice of Judgement for default for none compliance To PennyMac Services, And the responses ones again wasn't a sworn testimony or in Affidavit format to rebut my truth, therefore as a result this alleged debt should be removed from all my credit reporting and be expunged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The agency has never received consent from me to have my information. According to the Fair Credit Reporting Act, a permissible use is written consent and directions from me as the owner of the consumer report. I am instructing your consumer reporting agencies to remove address XXXX XXXX XXXX, XXXX, PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The agency has never received consent from me to have my information. According to the Fair Credit Reporting Act, a permissible use is written consent and directions from me as the owner of the consumer report. I am instructing your consumer reporting agencies to remove address XXXX XXXX XXXX, XXXX, PA 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 2021-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have reached out to several financial institutions who have told me they are unable to identify reasons for credit inquiries however they also advise me that only the credit bureaus can remove the inquiries. As follow up I have disputed the inquiries with the credit bureaus with no success in having the unknown inquiries 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 explanation
Consumer complaint received 2021-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I placed a fraud alert on my credit reports around XX/XX/2021. I reached out to Transunion Customer Service to file disputes on transaction I didnt recognize. After being aware of the their data breach some months ago.

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 2021-12-27 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: SC

Complaint narrative:
I have reached out to several financial institutions who have told me they are unable to identify reasons for credit inquiries however they also advise me that only the credit bureaus can remove the inquiries. As follow up I have disputed the inquiries with the credit bureaus with no success in having the unknown inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have reached out to several financial institutions who have told me they are unable to identify reasons for credit inquiries however they also advise me that only the credit bureaus can remove the inquiries. As follow up I have disputed the inquiries with the credit bureaus with no success in having the unknown inquiries 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 explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
I contacted my card issuer ( CashApp ) XX/XX/21 to dispute some transactions. I contacted all merchants of each transaction was previously. Unfortunately, refunds where not processed by the merchants or Cashapp. I had no choice but to file disputes for these transactions. Cash App representatives did respond to my requests. The responded via email asking me to provide details and as shown on screen shots here. I was quick to respond providing the details. I also provided supporting documentation I received from the merchants. 
Cash App has continued to ignore my requests and not help me. 
I will attach supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc.
State: MD

Complaint narrative:
Called XXXX  trying to transfer two google play gift card worth {$200.00}. The the rep said that I need to buy another {$1000.00} in order to complete the transfer. Then I realized it is a scam and ask the rep to refund the transfer, then they immediately disconnect the call. The phone number was XXXX. I am a victim of the scam please help. Called google play but customer rep wont help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
We previously filed a complaint with CFPB regarding erroneous Closing Disclosures we received from Amerisave Mortgage. This finally prompted Amerisave to correct the CDs. However, we continued to experience many other mistaken communications and documents from them including their failure to monitor receipt of documents, ie appraisal report. Finally, we decided we had enough and withdrew our loan application on XX/XX/XXXX and spoke to Customer Service to confirm this and to obtain the return of our application fee. The fee was returned. However, thereafter we received from Amerisave a Notice of Termination that INCORRECTLY listed the reason for termination was Lack of Cash Reserves instead of the correct response of Application Withdrawn by Borrower. 
By email dated XX/XX/21 to XXXX XXXX XXXX of Amerisave we requested that the Notice be corrected. Subsequently, XXXX XXXX called us later that day and offered to assign a new loan team and to get to the bottom of the missing appraisal report promptly. We never heard back from him the next week despite sending him several emails so by email dated XX/XX/XXXX we advised that we wanted nothing further to do with Amerisave. We requested the prompt receipt of a corrected Notice of Termination. We still have not received it. Attached is the notice in question. If emails are needed, I can furnish them also.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Amazon Store Card thru Synchrony Bank ending in XXXX. Card received XX/XX/XXXX. Created online account and fully completed AUTOPAY so that full balance is paid each month using ACH to a bank. 

Billed XX/XX/XXXX for {$200.00}, went unpaid. Follow on bill included {$29.00} late fee plus interest. 

I believe, based on prior experience, that this is a billing tactic to increase revenue while defrauding new customers. Their database deliberately loses autopayment information. I experienced this before with XXXX  XXXX XXXX also. 

Full amount due paid XXXX XXXX and account will be closed when the payments are cycled out.

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 2021-12-27 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: GA

Complaint narrative:
On XX/XX/2021 I checked my credit profile. All inquiries were deleted. Today XXXX XX/XX/2021 I logged into my account, my score went down due to inquiries.

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 2021-12-27 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: NY

Complaint narrative:
Hello. I was wrongfully charged on XX/XX/2021 from XXXX company for {$1500.00} and I filed a dispute as soon as I could right After and Barclays Card ( JetBlue mastercard ) has been a nightmare to work with. Theyre continuously closing/opening the case without even my knowledge and theyre lying. They tell me something different every time I call 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 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021 I am deposit insurance check to mine Citibank account {$1000.00} in XXXX hours later mine Citibank account is close. I call Citibank customer to explain why mine account is closed. They told me that check is fraud and closes mine account. 
I am telling Citibank is wrong to closed mine account like that. By law they need to investigate first before closing some customer account like that. 
Customer service telling me they do what ever they want to do with every customer account they want. 
Right now I helping because am so stressed full right now. Please please can someone helping me to get mine right back. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
During my XXXX  buying process, XXXX XXXX XXXX XXXX Colorado ( lender ) informed me that I have XXXX Judgements/Liens. I did not recall having any sort of liens or judgments. I asked for the XXXX case numbers and also the name of the vendor that reported them. I was informed, XXXX XXXX XXXX XXXX Colorado, that " Data Verify '' furnished the report to them via a system called XXXX XXXX platform ''. Upon research and court records I have found the information found to be damaging and inaccurate. 

Please note that none of these Judgements appear on my credit report. Also, please note that I am supposed to close on my home XX/XX/XXXX and the information that you are reporting is inaccurate and is causing me undue XXXX  and XXXX XXXX However, I understand that this is an error, so I don't blame XXXX XXXXXXXX 's XXXX XXXX platform '' completely as we all make mistakes and sometimes software has errors. I would like to resolve the matter informally with no harm or foul to either party. 

As a homeless and totally XXXX XXXXt, it is very hard for me to find a home and I am not sure if me and my XXXX will have this opportunity again. So hopefully we can resolve the matter informally. 

Please see the Inaccurate reporting accounts that are causing undue financial and mental duress : 1. XXXX XXXX XXXX BANK XXXX XXXX Case # : XXXX Dispute : The XXXX XXXX platform '' reported this account as a XXXX. This is not true ; as this case was dismissed on XX/XX/XXXX ( Please See XXXX ordered dismissal attached ). This account actually belonged to my recently deceased XXXXr XXXX XXXX XXXX ; I suppose this is why the error happened as well. Please remove this account from your records as it is causing me undue XXXX XXXXs and preventing XXXX XXXX XXXX XXXX from furnishing my home loan. 

XXXX. Creditor : University XXXX Tennessee XXXX # : XXXX Dispute : The XXXX XXXX platform '' reported this account as a XXXX. This was a XXXX XXXX that was satisfied due to my military related XXXX. Hence the XXXX XXXX XXXX  has recorded this debt as satisfied. ( Please see attached letter from the XXXX XXXX XXXX ) Please remove this account from your records as it is causing me undue XXXX XXXX and preventing XXXX XXXX XXXX XXXXo from furnishing my home loan. Please see the points of contact for this account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Building XXXX, TN XXXX XXXX XXXX Here is the legal Point of contact information : XXXX XXXX XXXX ext XXXX Email : XXXX Please see my attached XXXX XXXX Identification and Supporting Documents Very Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX gave me a date of XX/XX/XXXX or XXXX of 2020 I believe. I was not aware of a credit card application that I didnt approve through BestBuy affiliation with CitiBank that opened up on my credit report on XXXX XXXX Im reporting a fraudulent issue, complaint, and would like it removed. I contacted BestBuy, Citibank and was told of no report through my full name & social that they did not see nor have one on file.

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 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
To Whom It May Concern, I opened up a simple savings account at TD Bsnk on XX/XX/2021 on XXXX XXXX and XXXX XXXX in XXXX and I was told that everything was fine when opening up my account with XXXX XXXX using a XXXX social insurance number. 

After not being able to login to my account with the TD app and calling TD bank numerous times to no avail, I went back to the branch. I was then provided with the same firm I filled out before to fill out again and was told I would be able to transfer funds into my account at the end of that week on XXXX XXXX 

A couple of days later I went into the XXXX XXXX XXXX branch and met with XXXX XXXX and also opened up a Checkings account. XXXX XXXX told me that my simple savings account was still not opened up with TD bank because of an issue with using my XXXX social insurance number. That same meeting, I was told that the issue was being dealt with by the back office and XXXX would let me know what was happening by email a couple of days later. 

I still have not heard back from anybody at TD bank regarding the hold up providing private and confidential information to TD to bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Specialized Loan Servicing, LLC ( XXXX ) started servicing my mortgage loan on XX/XX/2021. I made a mortgage payment ( due on XX/XX/2021 ) to my previous loan provider ( XXXX XXXX aka The XXXX XXXX ) on XX/XX/2021. However, this payment has not been applied to my account with SLS. I provided the mortgage statement that shows the proof of payment to XXXX. XXXX has not updated my account or provided any information on when or if errors will be corrected.

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 2021-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXXXXXX XX/XX/XXXX I received an e-mail advising that my XXXX XXXX account was closed. I attempted to contact them 15 times to try to resolve this issue. My account was paid in full. I was never late. All the customer service representatives that I spoke to were extremely rude. I asked why was my account closed when I did not request to have it closed. 

XXXX XXXX Credit CardXXXX XX/XX/XXXX I attempted to use my XXXX XXXX credit card, and was advised that my credit was decreased all the way down to {$150.00}. When I asked why, I was advised that i would need to contact the credit agency to find out why.

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 2021-12-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
three credit bureau reporting inaccurate information and violating my rights under United States Code 15 USC 1681 ( a ).

Company response to consumer: Closed with explanation