vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$280.00} XXXX XXXX   XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXXXXXX {$0.00}

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 2020-04-01 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$280.00} XXXX XXXX   XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This bank is crazy their recovery office has been closed for weeks they dont bother to help I lost my job and cant pay my Macys card bill

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 2020-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/20, my boyfriend and I get scammed by 2 people who claimed to be hiring us as front desk attendants and we were to start Monday and they asked me to XXXX them {$300.00} for our uniforms, and said we would be reimbursed in our first paycheck. I was not really familiar with XXXX, so the girl involved with the scam asked for my phone and input her account information, and the amount to send to her own account. As soon as I got home we researched the company to find out it did not exist. I call Bank of America right away to report the scam and see if they could stop the payment. I spoke to the department that handles these types of issues. They informed me that the scammers also had a Bank of America account but there was nothing they could do about it. I asked since it was the same bank if they could put a hold on it and they said no. After just being scammed by strangers, I was very disappointed to learn, as a long term loyal customer, they would not help me at all. They seemed very uninterested in my incident.

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 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a mortgage through Suntrust ( now owned by Truist ). I've attached the pdf of Truist offer to " help '' to those people who need assistance due to the Covid-19 pandemic.

On the above mentioned pdf, Suntrust mortgagees are given one phone number to call in order to speak to someone directly about our specific situation and needs. However, each time I call, I am placed on hold for hours at a time with no one ever answering. In fact, I was just " disconnected '' after almost 4 hours of waiting.

There is no online way of connecting with them, and when I call other Suntrust numbers ( ie Client Services ), as soon as I get hold of a live person and say I need mortgage relief due to Covid-19, I get transferred back to that one same number that I have already been calling.

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 2020-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Refer to previous complaint XXXX Once again today XX/XX/XXXX I am not able to access my account to make early payment. The same issue occurs : Go to sign in ... signs in.

Then displays message " We are having trouble reaching you, please provide email '' Enter email ( that I get correspondences for them OK now ) Error message : " That email address is not valid, please enter a valid email address '' Email has never changed, we seem to have this problem when trying to pay more than one payment a month. They are prohibiting me from paying off my card and lower interest charged.

Hit or miss on access, but I always have to enter email due to " unable to reach you '' stuff ( every sign on ). Sometimes it works.

Today the access is denied. I have a 27 min wait time currently ( on hold waiting ) to pay by phone. I have to return to work, unable to pay bill.

Please assist.

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 2020-04-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I mailed a debt validation letter to Bank of America ; Account Disputes [ Account ending in XXXX, with a balance of {$6900.00} as of XX/XX/XXXX ], on XX/XX/2020, via Certified mail. The letter was delivered on XX/XX/2020, at XXXX ( receipt attached ). 

Bank of America failed to provide me with the information I requested in the letter, and failed to place my account " in-dispute '' status. 

I received a letter from Bank of America, dated XX/XX/XXXX stating the validation of my account, failing to report to me, or credit agencies that my account was ever in dispute.

See attachments : 1. Letter mailed to Bank of America.

2. Delivery Confirmation of Debt Validation letter.

3. Credit report as of XX/XX/2020. 
4. Credit report as of XX/XX/2020. 
5. Bank of America 's reply to my debt validation request.

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 2020-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my most recent credit report on XX/XX/2020. I notice that both Transunion & XXXX  is currently reporting accounts that we're removed or deleted In previous months. Please see attachment. 

Old account under the name : XXXX XXXX XXXX XXXX. Original creditor : XXXX XXXX XXXX XXXX  ( deleted ) in XXXX of 2020 New information being reported as follows ; XXXX XXXX XXXX XXXX ; original creditor ; XXXX XXXX  XXXX ( violation ) Notice ; the company changed or switch the name of original creditor and resubmitted account intentionally the damage my credit ratings. this is fraudulent, misleading, inconsistent, Unverifiable, And inaccurate a violation of FCRA rules. 

Violation : for reinserted in and around XX/XX/2020 without 5 business days notification as required by federal law.

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 2020-04-01 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: NY

Complaint narrative:
The accounts that's listed are not my accounts

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 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Suntrust seems to PURPOSELY not answering their mortgage line for customers seeking help/payment arrangements due to COVID-19.

I have called 4 days to wait on the line for over 4+ HOURS!!! For no one to answer or respond. And TWICE the line just disconnected on it's own. This seems undoubtedly intentional. I have several screenshots to show the ridiculous hold times. NO ONE should have to wait this long for ANY service, much less, to NEVER get an answer.

Please look into them allowing this on purpose to prevent costumers from getting relief services. Thank You

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 2020-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Since before XXXX of 2019, there has been a company called " Pioneer '' that has been harassing myself XXXX, and my son XXXX. They claim to have a partial loan of {$24000.00} in their ownership, and keep harassing me to apply for a payment plan. I'm already paying this same exact loan through the U.S. Department of education. Through the U.SXXXX Department of Education, I've already paid over {$10000.00} through garnished wages and garnished income tax refunds taken from my son and myself. My son went to XXXX XXXX XXXX from XXXX XXXX for 9 months, after that he joined the XXXX XXXX XXXX ... Where the military paid for his studies from that time and on. My son is a XXXX XXXX XXXX veteran, why on earth am I being charged over $ XXXX for 9 months of schooling by two separate companies? I've pleaded with Pioneer, asking them to send me a promisary note stating the agreement " I signed '', through mail as evidence ... But they refuse to send it to me, because clearly it's a fraud and I never signed an agreement to make payments through this company.

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 2020-04-01 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: TX

Complaint narrative:
FTC VIOLATONS ATTACHED

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 2020-04-01 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: NY

Complaint narrative:
The accounts that's listed are not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: NY

Complaint narrative:
The accounts that's listed are not my accounts

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 2020-04-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CIT BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a CD with CIT Bank ( account number XXXX  ). 
The CD was due to mature in XX/XX/2019, at which point I decided to renew for another 18 months ). 
However, I checked my statements since then, and I have not been paid ANY interest since then. 
I need my interest from XX/XX/2019 added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT

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 2020-04-01 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: NJ

Complaint narrative:
XXXX reporting a fraud account on my credit report for 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 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: NY

Complaint narrative:
XX/XX/XXXX To : Consumer Finance Fr : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX Re : Complaint : CO : Corporate Headquarters. LoanCare LLC, XXXX XXXX XXXX. XXXX  XXXX, VA XXXX ( XXXX ) XXXX In XX/XX/XXXX I was billed twice for my XX/XX/XXXX mortgage payment. Spoke to numerous customer service repressive since XX/XX/XXXX whom all promised to resolve the matter. Request were made and submission of prove payment submitted, via canceled checks for last several month attached, still no action has been made to rectify this matter. After several months working with multiple representatives in XX/XX/XXXX the LoanCare reported my name to major credit bureaus for late payment destroying my credit report. Since transfer of mortgage I have been attempting to rectify the amount my monthly payment from {$1700.00} to approximately {$1400.00}, according to the stipulation mortgage prior to the transfer of my mortgage which should be monthly my payment.

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 2020-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XXXX XXXX I had XXXX XXXX XXXX bank fax a request to Navy FCU to electronically transfer {$45000.00} ( approx ) IRA to XXXX XXXX XXXX from Navy FCU. Navy said it would take 3 to 5 business days. an hour later I called Navy to verify that they received the fax ... they did. 
On XXXX I called Navy about not receiving funds at XXXX XXXX XXXX and Navy told me it now takes 7 to 10 business days. However deposits into Navy are immediate. I suspect Navy is using the virus scare to delay withdrawals while having plenty of staff to accept deposits. I wasnt born yesterday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: TX

Complaint narrative:
FTC VIOLATONS ATTACHED

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 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX

Complaint narrative:
Hired XXXX XXXX Law Firm a XXXX with XXXX in advance she announced ready XX/XX/2019 in front of Judge XXXX cause number XXXX XXXX - XXXX - XXXX - XXXX 
The docket was thrown out because she did not serve the opposing Party On that XXXX XX/XX/2019 she was fired in the district court docket inadequate assistance of counsel and malpractice.. 
In the court record of the XXXX XXXX XXXX XXXX documents of her termination as my representation ... 
She then married an attorney that owns Fidelity collection agency since then they have been sending me a bill of {$2100.00} for work that I did I pinned with my own hand ... 
XXXX XXXX is a fraud and should not have a license as a lawyer and has taking it to the point of destroying my credit since XX/XX/2019 she will never be paid by me another penny ... 
Because the charges are fraudulent charges not approved by me XXXX XXXX XXXX. 
I believe XXXX XXXX should be made to stop destroying my credit and that she should be made to give me back my {$4500.00} for her malpractice.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Franklin American was purchased by Citizens Bank last year. on XX/XX/XXXX, the servicing of my mortgage loan was transferred to Citizens One Home Loans. I did not see the change and my XX/XX/XXXX payment was automatically sent to Franklin American Home Loans. To date, Franklin American Home Loans has not sent that payment to Citizens One to credit the mortgage account. I have attempted to contact Franklin American to determine where that money went, but I get an automated response that states my  account was transferred, then the call ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm writing because I've requested verification on inaccurate information that's on my credit report. Which relates to late payments Its been well past 30 days and I have not received any update or response. 

Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXXMonthly Payment 4 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 6 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 7 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 8 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment XXXX XXXX XXXX XXXX I NEVER HAD THIS ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm writing because I've requested verification on inaccurate information that's on my credit report. Which relates to late payments Its been well past 30 days and I have not received any update or response. 

Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXXMonthly Payment 4 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 6 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 7 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 8 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly Payment 9 XXXX XXXX XXXX I NEVER HAD THIS ACCOUNT

Company response to consumer: Closed with explanation