vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Comerica
State: WA

Complaint narrative:
I called the social security administration on XX/XX/XXXX, to order a Direct express card because I moved from XXXX and arrived in XXXX  on XXXX XXXX, ,reported my change of address to XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX washington XXXX ,But when i called Direct express at the XXXX They were refusing to cancel Direct express card that was sent out to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ,it had XXXX dollars on the card and it had been stolen..i tried explaining to them but they kept refusing to listen after stealing XXXX from the card then they started to listen so they sent me a new card to my new address in XXXX XXXX with XXXX dollars on it , ,all of my money was gone except that then what they did was hid the previous transaction from the stolen card so i couldn't retrieve them.. 
But The social security administration allows you to put a trace on all the money they send you so you can report to the police when people steal and scam you out of your ssi benefits or covid 19 benefits.. And they also send you a statement..direct express card services stole XXXX off my card wouldn't let me retrieve or know where the money went or transactions only sent me XXXX dollars of my money on my card, ,I need the XXXX that was stolen from me, ,from the card that they sent to the wrong address at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX is not my address i live in the state of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.. XXXXXXXX XXXX XXXXXXXX..So Direct express shouldn't have sent nothing to XXXX.I want my XXXX back that was stolen..they have the information..they wouldn't let me see it but the social security administration told me ..I need my covid relief money back that was stolen from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: GA

Complaint narrative:
I have told the CRA on multiple occasions that the information they continue to report is incorrect. They have never verified none of the disputes I have submitted to them. I have investigated the accounts myself and found out that they have been reporting the wrong account numbers, ( 2 ) when there in only one account number, the wrong dates, the wrong status and also a third party reporting on behalf of the original company that I had no idea existed. How is this possible? They are wrecking my credit. The copy I have uploaded in the system and also sent to the CRAs listed is the only account I have with US DEPT OF ED.

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 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
My Mortgage payment was submitted to Selene Finance  which is location is XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX in XX/XX/XXXX. XXXX to start my Trial Modification Plan. I have been making every payment on a timely base every month. Then my Mortgage payment was transfer to XXXX XXXX XXXX and I have still making my payments timely. I have requested from Selene Finance more than four times to please send me a copies of my 1098 for the following years XXXX, XXXX, XXXX, XXXX and XXXX. I was giving only XXXX, XXXX, XXXX and XXXX 1098 tax papers. I have called Selene many times please fax and hard copy me the missing XXXX 1098 tax papers so I can file my taxes and clear up this situations. Selene Finance is trying to tell me that I miss paying the whole year XXXX mortgage payments and this is why it missing. Then I was told I would get a copy though email and hard copy. I have been waiting since XXXX of XXXX and still have not received the information requested. I need this information to complete my income taxes so I can refinance my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXXXXXX XXXX and Comenity Capital/XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$690.00}. The Account Opened is Comenity CapitalXXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
My money two orders were stolen and the person that stole it deposited it at a local XXXX XXXX. The {$1000.00} Money order number XXXX & {$140.00} Money order number XXXX, were stolen, cashed at the local XXXXXXXX XXXX XXXX. I went to the XXXX XXXX  and they won't reissue my money and told me to go to MoneyGram. I then went to MoneyGram and they said its the bank 's responsibility and won't reissue me another money order or refund me my money. Both XXXX XXXX and MoneyGram tell me to go to the other to collect. I just want my money, since the money order should not have been cashed, which is the bank 's risk when cashing money orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: MD

Complaint narrative:
I am distressed that they have included the negative information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

XXXX  Collection Account XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$93.00} TRANSUNION XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Collection Account XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Collection Account XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: FC HoldCo LLC
State: CA

Complaint narrative:
I purchased a vehicle in XXXX of XXXX and when the pandemic hit i was out of work in XXXX. The loan company helped me with 4 deferrals and the payment for XX/XX/XXXX was reported 30 days delinquent on my credit reports. I was had on in communicating my financial concerns and I was told multiple times that due to the pandemic they would not report over 30 days late. 
This is not what took place. And I haves called and emailed complaints about the 30 days delinquency on my Crefit report and have asked to have it removed and its has not.

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 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Factual Data Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXnquiry from XXXX XXXXXXXX, 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 2021-03-05 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: ZIONS BANCORPORATION
State: UT

Complaint narrative:
Zions Bank is reporting a debt on my credit that is not mine. I am no longer an authorized user on this account and they refuse to remove me. I have called in and requested they remove me multiple times and they will not. I did not sign any contracts and this debt is not mine. I need it removed from my credit file ASAP.

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 2021-03-06 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: CA

Complaint narrative:
Even though Ive paid off all my loan and credit card balances Experian is refusing to update my credit score. In fact theyve lowered it to a poor rating.Also Experian has addressed for me listed in Denver although Ive never lived in Denver in my entire life. Experian refuses to remove it

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 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC

Complaint narrative:
I have a mortgage and associated escrow account with Cardinal Financial ( https : //cardinalfinancial.com/ ) when we refinanced our house in late XX/XX/XXXX. Cardinal Financial has failed to pay the property tax on the property associated with the mortgage account for the tax year XXXX. There is more than sufficient amount in the escrow account to cover the taxes amount. Inspite of repeated alerts by phone calls and email almost every month starting in XX/XX/XXXX, the tax has not been paid yet ( as of XX/XX/XXXX ) and is now delinquent, with interest ( and extra fees ) compounding. The tax was due on XX/XX/XXXX and now fines continue to incur starting XXXX. Cardinal Financial continues to assure every week for the past few months on phone calls that it will be paid in the next 2 days ... .so far nothing has happened. 
In addition to this I was sent an escrow refund check, when there was still dues to be paid and I am struck as to what needs to be done with the check. 
The customer service is worst I have ever encountered : It takes an hour to reach a representative and after repeated assurances that it is being taken care of, the call is put on hold for another half hour, the calls is transferred to a supervisor, who put the call on hold for another 30 mins at which point the call gets dropped. They might as well not have a customer service department at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Back in XXXX or XXXX of XXXX I contacted Bank of America about a {$5000.00} credit card opened back in XX/XX/XXXX showing on my credit report. When speaking to the Bank of America representative I was told my social number wasnt found in their system. I was told to report that discrepancy to the Credit Bureau in that way if the credit bureau contacts Bank of America they would be able to verify I am not a client. I would like to have this account taken off my credit report as Ive already created a fraud alert because I am not the owner of the Bank Of America credit card 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 2021-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX on XX/XX/XXXX my 2019 XXXX XXXX XXXX was repossessed I call Chrysler Capital the finance company who have the account I was told that I would have to pay the hold balance out to retain my vehicle. In 2019 I had XXXX XXXX XXXX and have had a lot of complications from the XXXX. That is how I got behind in my payments My wife was also out of work do to the pandemic I have tried to reach out to Chrysler Capital but they continue to tell me I have to pay out the entire balance due and that it had to pay by XXXX XXXXThis is the first time this vehicle have been repossessed if you can help please call me at ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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:
I faced with a big unfair situation in my life. Mainly recently a lot of fraud inquiries appeared in my credit report! Please help me because they are not mine and I have never ever authorized any of them. I am very sad that this situation happened with me. I have never signed any contracts documents and other papers with these companies and I have never approved these inquiries. I have tons of them now and its killing my report and killing my financial stability. I do not know them and their origins, I swear! The most terrible thing that I can not move on in my life. Please delete them after your investigation. 

I AM VICTIM OF FRAUD!

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 2021-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: TN

Complaint narrative:
Paypal prepaid card XXXX XXXX XXXXXXXX XXXX Texas XXXX XXXX. 
I have bought payed for an loaded in store the amount of XXXX $ upon attempt to finalize the card set up iv been ask to email 3 forms of id ..including ssn card with numbers ..multiple times while on the phone apx 25 times iv called trying to adj the issue iv been ask to give my ssn # .. 4 days im still unable to get them to finalize the account nor have a resolution at all iv been hung up on told i could not be heard placed on hold for over 1hr waiting to talk with a supervisor inwhitch i never spoke with ..these people say they work for Mastercard. Im sick of trying to get what they sold an i have payed for ..i do not believe they are in any way a legitimate business that should be allowed to operate with the action they have shown .. as i have said iv called at least 25 or more times over the past 4 days trying to get some where with the issue in hopes to possibly get some one who knows what there doing or cares while on the phone i have heard in the background multiple people who have called in trying to finish activation having the same trouble .i truly feel this is a fraudulent organization.

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 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
The original creditor Citibank N.A was notified that the credit card was opened fraudulently. I have tried to resolve the issue for 2 years now. I have filled out the paperwork the bank sent stating charges were fraudulent. I had the credit bureau Freeze my reports do to this 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 2021-03-05 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: NC

Complaint narrative:
I sent a letter to disputing accounts that are erroneous on XXXX and mailed them certified with proof they were delivered. I received notice in the mail that this company received the dispute letter NEARLY 60 DAYS AGO. It is now XX/XX/XXXX and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report. I also attached the original copy of my letter sent on 01/07/21. TransUnion JUST STARTED INVESTIGATION XX/XX/XXXX with an expected completion date of XX/XX/XXXX ABSOLUTELY NOT THEY WERE ALREADY GIVEN NEARLY 60 DAYS. IM NOT WAITING ANOTHER 30 DAYS BECAUSE TRANSUNION ISN'T DOIN THERE JOB AND IM PREPARED TO TAKE LEGAL ACTION WHICH CAN RESULT IN A {$1000.00} FINE PER UNDELETED ITEM PER THE FRCA. I will also be reporting this to the FTC if this is not resolved immediately.

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 2021-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have called Barclay several times to remove the balance and update the status of this account. I need this account removed from my credit report right away. I had my check garnished for the balance owed and my employer and myself have verified that the account was paid in full. This account was used by my X fianc and yet I had to suffer it the balance alone, In good faith i paid it and now Barclay has not honored their own agreement and reported the information accurately to reflect my diligence.

I'm asking that they remove this from all of my credit reports completely.

I have documents from Barclay that verify my {$0.00} balance, it shows in their own system that my employer sent the documents to them last year, and that I've called numerous times to solicit their help to resolve this matter.

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 2021-03-06 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XXXX, Ally Financial closed an account I had after a vehicle under my name was repossessed. On XX/XX/XXXX, I settled with a company called XXXX XXXX XXXX XXXX, and a payment was made. I got a letter from XXXX XXXX XXXX stating that my debt was satisfied and I took no further action. 

On XX/XX/XXXX, I checked my credit and found that Ally Financial had not reported or updated the satisfied debt. My FICO credit score has been negatively impacted due to Ally Financial 's failure to report to the credit bureaus of the settled account. 

On XX/XX/XXXX, I contacted Ally Financial credit department to attempt and resolve my issue of them not reporting to the credit bureaus. I was transferred several times and no one seem to have the answer or how to go about fixing the problem. The only solution Ally Financial offered was to submit a dispute that was estimated to take up to 45 days. Why should I have to wait longer to have Ally Financial report the update longer after they had approximately two billing cycles to report it. Ultimately, they kept transferring me to the debt collection agency about the situation. XXXX XXXX XXXX confirmed that I had a zero dollar ( {$0.00} ) balance owed and claimed that Ally was notified approximately in XXXX of XXXX. 

Ally has not taken responsibility or actions to report to the credit bureaus after the account with them has been settled. Ally Financial has had plenty of time to report that their account was settled and my FICO score is paying the price.

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