vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 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: ND

Complaint narrative:
On XX/XX/XXXX, XXXX and XX/XX/2021 I filed a disputed with Transunion in regards to XXXX items appearing on my credit report. account # XXXX for {$760.00} account # XXXX for {$1300.00} and account # XXXX for {$1200.00}. I've requested for Transunion to verify the items listed to provide proof that the items mentioned are accurate. Transunion has failed to provide how they verified the above listed item. Transunion only responded that the items have been verified as accurate. However, they have failed to provide me with details on how they verified that the items are accurate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: TX

Complaint narrative:
On XX/XX/21 I attempted to use my open-end Citi Credit Card pursuant to 15 U.S. Code 1637 and my purchase was declined. I logged in to my online account to find that Citi Card had taken an adverse action ( 15 USC 1681a ( k ) ( 1 ) ) against me due to information they received from XXXX ( a consumer reporting agency ) without my written consent by lowering my limit causing my purchase to be declined. In the process of this happening I've also realized that there is a billing error according to 12 CFR 1026.13 in regards to the amount I allegedly owe pursuant to 15 U.S. Code 1692e. False or misleading representations. I feel like this is something that needs to be investigated, because if it has happened to me, it has most likely happened to many other consumers. I was using my open-end Citi Card as a consumer for personal, family, or household purposes and should not be penalized for doing so. I don't believe XXXX has provided Citi Card with fair and accurate information which is what the banking system is dependent upon according to 15 U.S. Code 1681 and this has caused me XXXX brought on XXXX XXXX  and has XXXX  my character.

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 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I've spent XXXX hours with Bank of America with no solution. At XXXX lastnight, my account was positive and this morning I get hit with an overdraft fee. A merchant charge came through in which I did not authorize as well. I simply asked for a courtesy fee of XXXX to be credited since Bank of America XXXX are deceitful and leading the customer believing their account is fine. I also verified with the supervisor that my account has never been in overdraft and they still would not provide a courtesy credit in which the branch confirmed they could since I have always been in good standing. I was hung up on by another supervisor and repeated myself several times. Bank of America does not care about their customers. I do have documentation as well that I will be mailing to their NC office.

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been receiving XXXX since XXXX  I've been on XXXX since XXXX XXXX XXXX Medical Bills have been covered since XXXX To this date I have reports on my credit score the XXXX major credit agencies won't remove saying it is too late to bill my insurance.. I submitted insurance information during the time of visit, I also have been part of a medical billing program that covers co-pay portions... I sent the information to the XXXX XXXX, also to the XXXX hospitals billing department who issued the report.. To this date I still can't get the items removed even though I had valid insurance during the time of visit... This unfair reporting has caused me to continue getting denied for a home loan during a time my county is forcing my family to relocate due to property being bought for a new local jail... The damage of this unfair and inaccurate reporting is causing severe damage to the well-being of my children and family...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been receiving XXXX since XXXX, I've been on XXXX since XXXX My XXXX Medical Bills have been covered since XXXX To this date I have reports on my credit score the XXXX major credit agencies won't remove saying it is too late to bill my insurance.. I submitted insurance information during the time of visit, I also have been part of a medical billing program that covers co-pay portions... I sent the information to the credit union, also to the XXXX hospitals billing department who issued the report.. To this date I still can't get the items removed even though I had valid insurance during the time of visit... This unfair reporting has caused me to continue getting denied for a home loan during a time my county is forcing my family to relocate due to property being bought for a new local jail... The damage of this unfair and inaccurate reporting is causing severe damage to the well-being of my children and family...

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 2021-11-23 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: TX

Complaint narrative:
I am filing this complaint as my right under FCRA law and fair credit and billings act have been violated for this account XXXX XXXX XXXX {$8300.00} Account number XXXX. I am requesting all XXXX credit bureaus to provide full validation and what give them the right to collect on this account? I have made numerous attempts to resolve this issue by certified mail. There are numerous discrepancies on all XXXX bureaus as I see # of months for all XXXX  bureaus report to be different. Please provide better explanation and proof so I can timely take care of. Additionally, I see this account as having a charge off so the balance is not accurate. As per FRCA law, all information must be accurate, no errors and verifiable. This is lacking in all three areas.

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 2021-11-23 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: CA

Complaint narrative:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 several letters to the credit bureaus for them to investigate the following accounts for accuracy and validity on the following dates below : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a XXXX Checking account in XX/XX/2021 with {$50000.00} deposit through a link I was sent from Citibank in an email. A bonus of {$700.00} was supposed to post 90 days after bank held money for 60 days. XX/XX/2021 bonus was supposed to be deposited. I called Citibank in XXXX to see if everything was on track. I was told yes. Today I called to see why the bonus had not posted. They claim I did not sign up through the promotion and so I will not get a bonus. I complained and they gave me an Investigation ID # XXXX but no money.

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/21 I sent a letter by certified receipt and return receipt regarding multiple accounts with equifax. They were appearing inaccurately I disputed XXXX accounts. However, I have XXXX problem they neglected to remove XXXX of accounts listed on the letter I sent. Im simply asking for removal of account please and thanks its acct # XXXX {$45.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
Our mortgage was in XXXX through XXXX bank. We were processing a partial claim to allow us to resume normal payments in XX/XX/2021. During this process we completed the interview and the partial claim was approved. At that time the mortgage was sold to Flagstar bank. Flagstar agreed that they had received the documents from XXXX and were processing the partial claim and required us to pay over the phone each month until it was completed. 
As of today, XX/XX/XXXX, no resolution has been achieved. I spoke to an escalation XXXX, XXXX XXXX department XXXX ), and he reported that they received the documents in XX/XX/2021 but a notary signature was not legible. I asked who had processed the paperwork and why no one had let me know during any of my telephone conversations each month. He did not provide that information but wanted to see if they can still process the claim or if they need to start the process over again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: AZ

Complaint narrative:
I submitted dispute for an account unknown to me. I submitted disputes with all XXXX credit bureau 's. Experian is the only bureau refusing to correct this error. I called to speak to live representative " XXXX '' in " XXXX, TX '' who stated " experian is a middle man and does not have to provide me with any proof '' from the account in question. I tried to upload proof and their system would not accept my PDF file. The representative refused to allow me to speak with her supervisor or anyone else. She asked for my phone number so that someone could call me back. No one ever called me back to correct this error. I feel that I have exhausted my options regarding this incorrect information that is negatively affecting my ability to close on a home.

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 2021-11-23 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: CA

Complaint narrative:
I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report... 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXXT - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CA

Complaint narrative:
I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report... 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I attempted to deposit {$170.00} at a Bank of America ATM. The machine took my money but it didnt deposit the money in my account and the machine gave me a receipt that stated that it could not release my money from the machine. I contacted the bank immediately but nobody has returned my messages. I can not get customer service to help 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 2021-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I called Navient to ask for a XXXX Temporary Forbearance, just like I have for the last XXXX  months, and was told that I needed to meet a standard before this request could be granted. 

I then asked to be transferred the XXXX 's office and was denied. 

The last XXXX months all I had to do was ask for this relief without any questions being asked. This time I felt as though I needed to beg for this help and I was still denied being transferred to the office that I needed. 

Everyday items, like groceries and gas, have rising prices that are making it difficult to meet this obligation. 

Please have the XXXX 's office at Navient contact me either at my phone number, XXXX XXXX XXXX, or via e-mail : XXXX Thank you for your kind attention to my situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been divorced since XX/XX/XXXX. In the Divorce Decree, my ex-husband, XXXX XXXX XXXX, acquired The Bank of America XXXX ( and his attorney had me sign and notarize a Customer Removal Authorization. ) Unbeknownst to me, my XXXX retained and continued using a BOA XXXX credit card without removing my name. Unfortunately, my XXXX passed away XX/XX/XXXX. I had no idea he was using this card and that I was a " co-loan signer. '' In XX/XX/XXXX, I received a bill for {$880.00}, stating this bill was past-due. It was not an itemized bill, so I had no idea what that amount was for, but I knew those charges were NOT made by me. As a matter of fact, in the last XXXX years since my divorce, I never charged anything or received a statement from BOA. I don't have this credit card in my possession. Since receiving this XXXX statement, I have spoken to multiple BOA agents, including Customer Service, Collections, Fraud, XXXX XXXX, and Dispute employees and Supervisors to no avail. I received a second overdue statement XX/XX/XXXX, in the amount of {$910.00}. Still no itemizations. My credit score ( normally XXXX ) has plummeted. I also supplied relevant legal documents ( XXXX XXXX and XXXX XXXX ) to Bank of America.

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint as my right under FCRA law and fair credit and billings act have been violated for this account XXXX XXXX XXXX {$8300.00} Account number XXXX. I am requesting all XXXX credit bureaus to provide full validation and what give them the right to collect on this account? I have made numerous attempts to resolve this issue by certified mail. There are numerous discrepancies on all XXXX bureaus as I see # of months for all three bureaus report to be different. Please provide better explanation and proof so I can timely take care of. Additionally, I see this account as having a charge off so the balance is not accurate. As per FRCA law, all information must be accurate, no errors and verifiable. This is lacking in all XXXX  areas.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My business account was hacked and around {$80000.00} was stolen starting on XXXX. I have a lot of transactions and did not notice the fraud until XXXX at which time I notified my bank and discovered how bad it was. We started a fraud claim and received a letter stated they will not cover anything XXXX days after the statement date of the first unauthorized transaction. That would be XXXX and they saying that they will not cover anything XXXX days past the first unauthorized transaction. I have copies of secure letter from them and copies of claim. I am now trying to contact the other banks where my money was deposited to in order to recover it.

Company response to consumer: Closed with explanation