vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 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: AR

Complaint narrative:
Thank you for taking the time out to read my complaint. I was reported late on my credit report ONE time from XXXX XXXX XXXX. It reported XX/XX/2019. I called and explained that my identity was stolen that month and my bank closed my bank account so the automatic payment did not go thru. I advised them of the issue when it happened in XX/XX/2019 by phone call that it may even be late but I was willing to send in police report and even a letter from my bank to verify. After the investigation on my bank and my funds were back I called XXXX XXXX XXXX and made my payment and they still reported it. I have been pleading with them to remove it and no luck. I emailed the ceo, mailed and faxed numerous of letters and still no help. Ive despites multiple times and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: MI

Complaint narrative:
I have sent two letter challenging the accuracy of this account one on XX/XX/2020 and the other on XX/XX/2020, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. You have violated my rights under FCRA with a failure to place this items in dispute under section 623 and I demand it be deleted immediately. THIS ACCOUNT IS STILL NOT XXXX XXXX Compliant Delete Now Creditor : XXXX XXXX XXXX Account Number XXXX  *I HAVE ATTACHED BOTH OF MY PREVIOUSLY SENT LETTERS WITH THEIR CERTIFIED MAIL TRACKING NUMBERS AND A SCREENSHOT OF HOW THIS ACCOUNT IS REPORTING AS OF XX/XX/2020 WITH NO " dispute '' acknowledgment in the comments section.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I have disputed this account so many times for incorrect information. The last dispute was XX/XX/2020 and current. This is not a valid debt and ask for it to be removed. {$410.00} for XXXX XXXX XXXX XXXX. This is not my account please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: MI

Complaint narrative:
I have sent two letter challenging the accuracy of this account one on XX/XX/2020 and the other on XX/XX/2020, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. You have violated my rights under FCRA with a failure to place this items in dispute under section 623 and I demand it be deleted immediately. THIS ACCOUNT IS STILL NOT METRO 2 Compliant Delete Now Creditor : XXXX XXXX XXXX Account Number XXXX  *I HAVE ATTACHED BOTH OF MY PREVIOUSLY SENT LETTERS WITH THEIR CERTIFIED MAIL TRACKING NUMBERS AND A SCREENSHOT OF HOW THIS ACCOUNT IS REPORTING AS OF XX/XX/2020 WITH NO " dispute '' acknowledgment in the comments section.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: MI

Complaint narrative:
I have sent two letter challenging the accuracy of this account one on XX/XX/2020 and the other on XX/XX/2020, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. You have violated my rights under FCRA with a failure to place this items in dispute under section 623 and I demand it be deleted immediately. THIS ACCOUNT IS STILL NOT METRO 2 Compliant Delete Now Creditor : XXXX XXXX XXXX Account Number XXXX  *I HAVE ATTACHED BOTH OF MY PREVIOUSLY SENT LETTERS WITH THEIR CERTIFIED MAIL TRACKING NUMBERS AND A SCREENSHOT OF HOW THIS ACCOUNT IS REPORTING AS OF XX/XX/2020 WITH NO " dispute '' acknowledgment in the comments section.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Hi, Ive disputed this so many times and nothing. This is inaccurate and need to be removed off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am a victim of violent crime that includes identity theft and fraud and XXXX XXXX XXXX XXXX and XXXX XXXX use my identity and hack my phone and have other people help them XXXX XXXX XXXX XXXX and I still have been unable to resolve the issue and they continue to do it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I am complaining about a XX/XX/2019 Citi Bank Promotion, that I infact followed there terms and never got paid. I specifically opened an account and transfered money out of my high interest money marketing account, just for this promotion as it sounded like a great deal. 1 year later and have yet to receive the money. Meanwhile im having to pay {$25.00} every month to keep my account open while i fight this matter. They are a complete fraud. Poor customer service. After making a report and them looking into this matter, they still sent me a letter telling me i didnt keep the required XXXX in there account for 60 days. My account had more than XXXX untouched for 5 months. 
The promotion was as follows : Citi Account Package {$400.00} Offer Open new eligible checking and savings accounts in the Citibank Account Package during the offer period XX/XX/2019 to XX/XX/2019. 
Within 30 days of opening your account, deposit {$15000.00} in New-to-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 
I did all of the following. There first excuse was i never deposited the XXXX in time, which was a lie, i opened my account over the phone with there representative who made some sort of error where they claimed my deposit bounced for insufficent funds. I have proof it shouldve never as i never had insufficient funds. They fixed that and assured me i still qualified for the promo. So i went thru with it. Now 1 year later they sending me a letter stating my account didnt qualify as i didnt maintain XXXX in my account for 60 days. Another bs lie, i have my statements to prove so. This whole ordeal trying to get the situation solved has been more trouble than anything. Had i known this is what i would have to deal with to get paid the {$400.00} promotion, i wouldve been better off keeping my money in my money market account earning interest. This is unacceptable. I feel they owe me {$400.00} plus the monthly charges they continue to take from me while having to keep my account open long enough for them to fix there scandless careless errors. Totally unfair and a fraud and i noticed i aint the only one with this problem as i noticed a woman had to take it to the channel XXXX news to get her money. Totally rediculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
In XX/XX/2020 I filed for Forberance with Loan Care, my mortgage company and they told me that this would not be reported as a missed payment being that the Forberance would be in place. I called to check on the status of the Forberance and they had not put the Forberance in place. They filled it for me in XX/XX/2020 and reported missed payments on my account. I have reached out to them about this they reassured me that the negative reporting would be removed and I disputed the negative reporting and it still showing that they reported this correctly. I need this removed from my credit ASAP being that this is a false negative report on my credit. My score and credit has been negatively impacted because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: NY

Complaint narrative:
As indicated what initiated the issue with Experian, is they denied me a credit card from XXXX which I questioned why since I have a credit worthiness. Either intentionally or an disregard for my request they continue to tell me I needed to submit personal identification to authenticate my identity before they can issue me my score. I do not need my credit score, moreover EXPERIAN mailed me a detailed Credit Report which I did not ask for. How did they know they were sending it to the right person ; since I have not complied with their request. I stands to reason that they have put my credit worthiness more at risk despite of their denial. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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 humbly submit this complaint as I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft : XXXX XXXX -- XXXX XXXX -- XXXX ( {$1000.00}, {$2000.00} ) XXXX 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 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Costco-CITI credit card # XXXX I pay in full every month, also have a checking / savinga account with CITI and have close to XXXX Credit score. I went to XXXX, did apprise them ... after a month or so they blocked my credit card. International colLect call did not work, when called the Rep was blinded with hubris asked me US Checking account # which at that time I did not remember. Called again with it but no use. Interestingly for legal reasons no e-mail available so contacted Executive Office e-mail only to get legalized lengthy letter basically absolving them of all responsibility and sorry you are suffering from such a situation. 
1 month has gone still credit card privileges not restored. My sister could not even pay by phone, I cant access my account online ... Reps lied saying a FRAULD ALERT reference code letter has been sent to the US address but we have not received any as I checked with my sister, a practicing attorney who lives on same address. 
I can understand CITI 's security concerns but this has gone too far that despite contacting executive 's office nothing has been done instead a veiled threat of damaging my credit. That too with a loyal customer who pays in full every month. 
Please do look in to the matter and restore my charging privileges as that is the only card I am carrying. 
My XXXX # is XXXX My e-mail is 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 2020-12-03 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: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
I have contacted the credit agency and the company themselves on numerous occasions since XXXX XXXX, 2020. I have both electronically and in writing by mail, submitted my identification documents, proof of address, identity theft reports and additional documentation. I also received notice that this account would be zeroed, deleted from my report and the title to the said vehicle sent to my address. 

The account has been refused to be blocked even after notification of my request for it to be blocked and still reports a $ XXXX balance. This was dealer fraud and the contract is not legit. I was also told I had to purchase a service contract if I wanted the vehicle by the sales manager along with the loan being written when I hadnt taken possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: WI

Complaint narrative:
During the first week of XXXX of this year ( 2020 ), I was going over my Transunion credit report when I found two hard inquiries that I did not recognize authorize. Both are from the same company. I sent a dispute letter to Transunion on XXXX/XXXX/2020. The letter was sent certified with return receipt. Transunion received the letter on XXXX/XXXX/2020. They responded with a letter dated XXXX/XXXX/2020. The letter was a generic description of hard inquiries and did nothing to resolve the issue. On XXXX/XXXX/2020, I sent another dispute letter. The letter was received XXXX/XXXX/2020. They are refusing to reply to the 2nd letter and refusing to remove. There was no ambiguity whatsoever in either of the letters. I advised Transunion that I never authorized these 2 inquiries and I want them removed. This is a serious violation of federal law and of my privacy rights. Transunion is wilfully enabling fraud and identity theft and I will make them appear in court if necessary. Everything has been documented and I have copies of the letters. Please see the attached photos and screenshot.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: NE

Complaint narrative:
I have contacted the credit agency and the company themselves on numerous occasions since XXXX XXXX, 2020. I have both electronically and in writing by mail, submitted my identification documents, proof of address, identity theft reports and additional documentation. I also received notice that this account would be XXXX, deleted from my report and the title to the said vehicle sent to my address. 

The account has been refused to be blocked even after notification of my request for it to be blocked and still reports a $ XXXX balance. This was dealer fraud and the contract is not legit. I was also told I had to purchase a service contract if I wanted the vehicle by the sales manager along with the loan being written when I hadnt taken possession.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: NE

Complaint narrative:
I have contacted the credit agency and the company themselves on numerous occasions since XXXX XXXX, 2020. I have both electronically and in writing by mail, submitted my identification documents, proof of address, identity theft reports and additional documentation. I also received notice that this account would be XXXX, deleted from my report and the title to the said vehicle sent to my address. 

The account has been refused to be blocked even after notification of my request for it to be blocked and still reports a $ XXXX balance. This was dealer fraud and the contract is not legit. I was also told I had to purchase a service contract if I wanted the vehicle by the sales manager along with the loan being written when I hadnt taken possession.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I responded to a XXXX XXXX advertisement about a room for rent. I got in contact with the owner who told me his name was XXXX XXXX. He wrote up a rental agreement and we both signed it. He then had me XXXX him {$1000.00} for a security deposit and first months rent. A different name of XXXX XXXX showed up in the bank statement ; so thats when I knew that he was lying about his name. The XXXX advertisement had then been taken down and he has blocked my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Please see attached screenshot of Citicards CBNA reporting a negative on all three credit reports. This was a secured card, I paid monthly ON TIME and then closed the account. I have disputed that they have reported this secured card repeatedly and yet they do not update it as resolved to reflect accurately the series of events. 

This card was closed by me. I requested they close the account and send me my security deposit of {$300.00}. The whole point of the secured card was to build my credit and I paid monthly on time. Eventually I closed the account and requested my secured deposit of {$300.00} back. 

For some reason, the deposit return took 3 months to return and to for them to close the account only to find out a couple months later they reported it NEGATIVELY which is a LIE. I opened the account, paid on time, closed the account and requested my deposit back, AT NO TIME WAS I DELINQUENT IN MY PAYMENTS! NOT ONCE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: VA

Complaint narrative:
All three credit bureaus claim they verified this inaccurate bankruptcy thru 3 party vendor XXXX..which I contacted them for verification of this bankruptcy in which they couldnt verify the accuracy of this bankruptcy and its no longer in there system. They are in violation of the federal reporting laws, they reporting this outdated inaccurate bankruptcy on my credit report and again im requesting there method of verification of this bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC
State: AL

Complaint narrative:
I had made a online payment of {$150000.00} towards principal on my loan with PrimeLending via online system. The amount was deducted from my bank account that was used to make the payment on XX/XX/2020 but has not been applied to the loan. On XX/XX/2020 PrimeLending transferred the loan to XXXX for servicing. Prime lending claim that the amount of {$150000.00} was sent to XXXX on XX/XX/XXXX. XXXX  claim that they have not received the amount. The amount does not reflect in my account and I am being charged interest on it.

Company response to consumer: Closed with explanation