vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
Loan # XXXX Cell # is XXXX Name : XXXX XXXX I am going through a difficult time where I have been out of work for over 3 months and expectthis to be like this for many months, if not years.Since XXXX of this year, but COVID-19 just made it even worse. My city is on stay at home orders indefinitely. 
I have contacted this bank in 3 different occasions. On the first time, someone ( with an attitude of course ) did the forbearanceplan. Then I called today and spoketo 2 different agents who are extremely cold, insensitive and extremely unhelpful. This goes very well with the complaints that many other customers have had on XXXX  and with the CFPB. 
See the problem is not the information, is their attitudes, they are obviously not responding to people 's concern, customer service is something that they do not understand. Regardless of what notes they wrote, they know very well how they behave. 

This bank 's complaints have a long history of negative reviews, litigations and complaints with XXXX  or CFPB. Given my case and how the agents act over the phone, it makes sense. They are rude and unhelpful and want us customers to vow to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have spoken to several representatives for the company to remove the incorrect information. The account is reporting on credit profile as inaccurate information and hurting my score. This account is also preventing me from getting approved for items.

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 2020-05-15 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: GA

Complaint narrative:
I have spoken to several representatives for the company to remove the incorrect information. The account is reporting on credit profile as inaccurate information and hurting my score. This account is also preventing me from getting approved for items.

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 2020-05-15 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: 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 a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: OK

Complaint narrative:
Yesterday I was notified by XXXX XXXX  of a new collection from Commonwealth Financial Systems for {$70.00} that hit my credit report on XX/XX/XXXX. I have never been contacted about this debt before, never received any notices that I owed anything, no notification of my right to dispute. There was no information about what it's for aside from " XXXX XXXX XXXX XXXX '', no dates for when the original bill was incurred, no proof that it was actually incurred by me, just a random collection suddenly appearing on my credit report. Who even goes to the ER and gets away with only a {$70.00} bill?! I truly believe this company just makes up debts and re-ages ancient debts that are past the statute of limitations. I disputed it with XXXX  and they removed it immediately, but this is very upsetting. This company has hit my credit with multiple unproven ER bills in the past, all of which were disputed and removed, and I have an active fraud alert in place partially thanks to their antics. I have read many complaints from people stating they were hit with collections from this company after opening a XXXX XXXX credit card and I do think there is a connection. I have a bank account with XXXX XXXXXXXX and I applied for a credit card with them about a month ago, and now all of a sudden I coincidentally have a new collection from Commonwealth. Highly suspicious! I'll be closing my XXXX  account too as they seem to be in bed with Commonwealth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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 a 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.

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 2020-05-15 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 a 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.

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 2020-05-15 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On XX/XX/20 I spoke with a person in financing by the name of XXXX regarding my loan concerning the reason why I do not receive statements online or by paper. I was told that this company only service customers online. I also asked XXXX in the finance department, why my finance charge, interest, and breakdown on my loan is not showing online and I only see the payments made but nothing else. XXXX told me they do not give statements. So I explain to her I need a monthly account breakdown each month showing interest and other charges I am being charged each month in order for me to pay my car note each month and a balance break down in black and white on their website or paper statement, but this is important if they are servicing my loan. They must bill me fairly and show what they are billing me in black and white. Or they will give me no choice but to also contact the State Attorney Office also for assistance.

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 2020-05-15 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 for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-05-15 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 for the first time and I have 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.

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 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$240.00} XXXX XXXX {$730.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase bank withdrew all the funds from my checking account, totaling over {$5500.00} and closed or suspended the account and are not responding to calls to resolve. Around XX/XX/XXXX and XX/XX/XXXX, deposits were made to my checking account comprised of checks and money orders paid to me as rent on some units I own personally. The deposits were each help for around 14 days, then cleared. When the second group of deposits cleared around XX/XX/XXXX, I attempted to transfer the funds to another account and was not allowed to transfer. That evening, the account showed that all the funds had been withdrawn, totaling over {$5500.00}. When I called, after being on hold for over half an hour, I was told all they could tell me was that it was done by a Chase employee and they confirmed it was not due to insufficient balances on my other accounts. They gave me another number to call during business hours. Upon calling the next day and being on hold for nearly 40 minutes, I was told the deposits were flagged a suspicious because of so many money orders from different people, but they would not provide details on which money orders caused them concern. I spend over 2 hours on the phone giving them the phone numbers of my tenants, only to have them tell me they were only able to reach one individual, but even that conversation was not sufficient. They instructed me to have my tenants return to the place they got the money orders, cancel them and give me the funds by another means. This would incur cost and inconvenience for my tenants at a time when people are already stressed and low on cash, besides the fact that the bank already reported the funds as cleared so they likely could not be reversed. They said a manager would call me by end of day, but I received no call. I have not tried to call back daily and they are not giving additional information or attempting to resolve their concerns, just holding my money and the account in limbo. This was all done with no proactive outreach by Chase to resolve their concerns prior to taking action. They have also removed all access to statements and transactions related to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
XX/XX/XXXX - Final Account Statement given by original creditor, XXXX XXXX of XXXX XXXX XXXX totaling {$1100.00} XX/XX/XXXX - Request for further documentation pertaining to charges in final account statement XXXX itemized receipts, carpet useful life and install date, etc. ) made to original creditor. No further contact from them. 

XX/XX/XXXX - Account placed with Transworld Systems Inc - Account # XXXX - Balance of {$1100.00} XX/XX/XXXX - Letter sent to TSI denying responsibility for debt, request for proof of validity, and notification of no availability between XXXX CST. Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Recv 'd Date : XX/XX/XXXX XX/XX/XXXX - Response to request for validation. Documents to include validation consisted of documents already ascertained from original creditor XXXX XXXX XXXX Final Account Statement and copy of the lease ). 

XX/XX/XXXX - Call from debt collector attempting to collect debt at XXXX, no name given, call lasted 2 mins 56 secs. Collector was notified that I am refusing the debt in its entirety per the previously sent letter and lack of valid proof of debt. Collector said he would note this on my account. 

XX/XX/XXXX - Letter received from TSI with exact same contents as letter from XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX - Constant calls from TSI debt colllectors XX/XX/XXXX - Letter sent disputing debt in its entirety for third time with clarifying requests original made to XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a citi bank account on XXXX, submitted my paystub to verify my account on XX/XX/XXXX ( documented in my email ). Citi then locked my account ( can't access my money ) and said they never received my document. This was on XX/XX/XXXX. I resubmitted my documents, and the email says approval within XXXX days. It is currently the XXXX, which is more than the days in the email. I have called them multiple times, but to no avail because they always say it's another department that reviews these documents. As of now, 90 % of my money is in that account and I need to pay my bills soon.

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 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I applied Citibusiness AAdvantage platinum select card in XX/XX/XXXX, with the promotional offer of getting XXXX miles after spending {$5000.00} in 5 months. The terms and conditions are very clear is that " XXXX XXXX AAdvantage bonus miles are not available if you have received a new account bonus for a CitiBusiness / AAdvantage Platinum Select account in the past 48 months ''. I am aware of it and I never own a citiBusiness AAdvantage card before. 

Citi denied the offer without any notification and I only find out in XXXX after I spend {$5000.00} and did not get the welcome bonus. I called Citi 4 times each time spending over 40 minutes explaining to them the situation. Each time the agents relay my request to their rewards department but refuse to provide any direct form of communication. The rewards department interpret the rule as " Your business received a new account bonus on XX/XX/XXXX on account ending in XXXX '' thus disqualifying you. However the card ending in XXXX belongs to another employee in the business and has nothing to do with me. I have no control over other people in the business and disqualifying my promotional offer because other people in the business applied the card before is unfair. At the very least, if that is the rule, it should be clearly communicated in the terms and conditions in the application page that the promotional offer is not available if the " business '' ( not " you '' ) has received new account bonus in past 48 months.

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 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$240.00} XXXX XXXX {$730.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$190.00}

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 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$240.00} XXXX XXXX {$730.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$190.00}

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 2020-05-15 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: TX

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX {$500.00} XXXX  XXXX {$500.00} XXXX  XXXX XXXX   XXXX {$870.00} COLLECTIONS XXXX {$350.00} XXXX  XXXX {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation