vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Hello, I applied for a business account and was denied because ChexSystems shows a delinquent amount not paid for {$410.00} which was filed on XX/XX/2020 to XXXX XXXX XXXX XXXX. I called XXXX XXXX ( XXXX, Product Specialist XXXX XXXX ) discovered that the IRS used my social security # and gave it to a business to use as their EIN #. This company ( which they would not give me the name of ) is the one that is delinquent for the amount of {$410.00}. 

I emailed the IRS on XX/XX/2020 and they replied back to say " We were unable to locate any specific guidance regarding this on theIRS.gov website. 

I mailed Chexsystems on XX/XX/2020 explaining issue and have not received notification back. 

Please help me get my social security removed as an EIN for this company by contacting the IRS. 

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 explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Per the letter recived by Pentagon FCU, I was allotted till XX/XX/20 to log in or respond to said letter in order to keep my account in good standing. 

Their organization removed {$55.00} from my account under the title of unclaimed property prematurely on XX/XX/20. 

I logged into my account on XX/XX/20 which therefore would be my activation per the context of the letter. 

I emailed a copy of the letter and asked them to reinstate my account and replenish the funds, " I've receivd no response. '' XXXX also called and Spoke With XXXX XXXX at Pen Fed Credit Union and was told the  computer system transferred money and deactivated the account prematurly that it wasn't them, but he would do nothing to help or honer the context of the letter that if iI wanted my money I'd have to petition the state and If I wanted my account activated I'd have to reapply and pay for a new membership. I followed their rules and they broke them.

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 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a Chase XXXX credit card and it said that I was declined even though I have a XXXX credit score. It says i have a derogatory relationship with them but that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian Keeps responding with the same exact message instead of addressing this issue. I have sent everything that they have asked for. If there office is closed due to covit-19, then they should just send a message stating that, I am a victim of identity theft and i would like my issue addressed and resolved

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 2020-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Citizens bank continues to offer NO option beyond demanding a balloon payment after 5 months forbearance ; those of us who own small businesses certainly haven't had normal revenue these five months. Asked to merely tack on three months to loan duration in order to stay current ; bank offers nothing but a balloon payment. Customer service is useless ; they are just parrots to repeat prepared statements. 

During this process, they erroneously reported me as deliquent, in violation of the CARES act, costing my credit score 120 pts ; XXXX XXXX, who I had been " working with '', quit the bank. XXXX XXXX, who fixed the credit report, has not replied to my messages in weeks. 

My last call XXXX XXXX I was supposed to hear back from the REFI dept about the " REFI OPTION '' .... never heard back. Called today XXXX, customer service Parrot fed me the usual XXXX, and claimed a " supervisor would call me '', which hasn't happened. 

My forebarance is almost up, and I am running out of options. 

My mortgage is {$3600.00} mth ; in forbearance currently since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I located some negative accounts reported on my credit report, and decided to request an investigation process pursuant to section 611 of the FCRA. After I sent my first set of disputes dated XX/XX/2020, I received a 1 document only from Experian stating that, the letters were ineligibles, so on XX/XX/2020 I re-submitted all of the initial letters, and it is now XX/XX/XXXX, and I have yet to receive anything from either XXXX of the Credit Bureaus. Please note that I am in the process of buying a home, and the investigation, and response of these are extremely important. At this point, the credit reporting agencies are in violation of section 611, and 623 of the FCRA.

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 2020-09-14 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: AL

Complaint narrative:
I filed a dispute in XX/XX/2020 for XXXX  to investigate on US DEPT ED- XXXX & XXXX & another dispute on XX/XX/2020. US Dept Education is in violations of my rights by the following collection/charge off account, with an account number of XXXX on my credit report is claiming to have Balance amount higher than the actual High Balance amount. As you know this is inaccurate which is a violation of my rights..

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 2020-09-14 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: AL

Complaint narrative:
I filed a dispute in XX/XX/2020 for XXXX  to investigate on US DEPT ED- XXXX & XXXX & another dispute on XX/XX/2020. US Dept Education is in violations of my rights by the following collection/charge off account, with an account number of XXXX on my credit report is claiming to have Balance amount higher than the actual High Balance amount. As you know this is inaccurate which is a violation of my rights..

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 2020-09-14 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: NJ

Complaint narrative:
I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters that have gone without response causing immeasurable stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: Nelson Cruz & Associates LLC
State: NC

Complaint narrative:
On XX/XX/2020 Nelson Cruz added a derogatory remark on my credit report per XXXX XXXX.Upon farther research this account was sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine.According ti the F.C.R.A Nelson Cruz has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: United Accounts, Inc.
State: UT

Complaint narrative:
United accounts is reporting a debt on my credit file that i do not owe. I recently checked my credit file and noticed this debt on my credit file, i called immediately and paid this debt off. I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure that violates my 30 day right to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I am a victim of identity theft and my identity was used to open account with USAA Federal Savings. I have never conducted business with this bank in person or by phone. My credit is ruined due to these accounts that I am not responsible for and did not open. USAA Federal Savings has allowed someone to open accounts using my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: NJ

Complaint narrative:
I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters that have gone without response causing immeasurable stress.

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 2020-09-14 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: IL

Complaint narrative:
I received a correspondence from the major credit bureaus that these accounts were verified via phone, email, or fax. 
SOC SEC ADMIN OFFICE is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX US BKPT CT IL XXXX is fraudulent on my credit Account The credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
These are fraud, I didnt benefit, apply for, and authorize these accounts. Please remove them under the fair credit reporting Act of 1970 under 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]

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 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
in a letter dated XX/XX/2020 you state details of your Forbearance Plan yet it fails to in " bold lettering '' identify the commencement date of this document, i have written two letters to your COO in reference to the inadequate information Bayview is sending to the mortgages it is servicing and the COO has refused to respond in violation of the law. Please make your Senior staff including but not limited to Bayviews president, " new '' COO and CFO send a proper letter that complies with the law with the correct required detailed information, if this inadequate format is being used please resend the proper formatting to all the customers you are servicing. 
As of XX/XX/2020, approximately 20,000 residential borrowers were on an active forbearance plan out of the 152,353 residential mortgage you are servicing why are only 13 % of the borrowers allowed forbearance? Are you Bayview proceeding with foreclosures? Are you continuing to post fee to borrowers during this time? Since XXXX is no longer with you i advise you verify the aforementioned information notify management and take it as notice that you Bayview are not complying with the current forbearance laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: IL

Complaint narrative:
I received a correspondence from the major credit bureaus that these accounts were verified via phone, email, or fax. 
SOC SEC ADMIN OFFICE is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX US BKPT CT IL XXXX is fraudulent on my credit Account The credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
These are fraud, I didnt benefit, apply for, and authorize these accounts. Please remove them under the fair credit reporting Act of 1970 under 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]

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 2020-09-14 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: NJ

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding regular consumer disputes. I've sent multiple letters that have gone unanswered causing immeasurable stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: NJ

Complaint narrative:
I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I've sent multiple letters that have gone unanswered causing immeasurable stress.

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 2020-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently discovered that Citibank, which my wife and I have been customers at for 45 years, has been charging me interest for a line of credit loan that I never applied for. They say it was done at a cash machine. I know nothing about this line of credit loan. My wife, who passed away recently, took care of our Citibank bank account, and never mentioned this to me. A loan does not make sense as we have {$50000.00} in two checking accounts. I have asked the manager ( XXXX XXXX ) and assistant manager of my local Citibank branch at XXXX XXXX and XXXX in XXXX numerous times over the past more than two months for information about this loan - when it began, what was the amount, and what was the rate of interest, as well as a complete historical record of payments, both principal and interest. They say they are working on it, but I have not yet received a reply. I dont understand why it would take so long to find this information that should be easily accessible in their computer records. When I asked for a copy of our statements, so that my accountant and I could speed up the process, they refused to do soas well as giving me the name and contact info for her superior. The last I heard she was going back to 2013, to give an idea of how long this may have been going on.

I would appreciate any help you could give me in obtaining this information and in getting a refund of all interest fees that I believe should not have been paid.

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 2020-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo called my daughter at work today, she is a joint account holder. She works from XXXX to XXXX PST. I called the lady back and she refused to help me or talk to me. She wants to speak with my joint account holder exclusively. Also, she is very hard to understand, she does not speak XXXX very well over the phone. This is the dumbest response I have ever received. It is a joint account, so she should be able to speak to either account holder. I am not incompetent, I am just an elder person. I still have all my faculties, so there was no reason to NOT talk to me about our account. They are just trying to say they made contact when they have not. I have a case open with number XXXX. Just wanted to add to that complaint.

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 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/2020 I received a letter from Transworld System Inc about a medical bill stating they received a inquiry from me for debt validation. Unfortunately the company listed a medical account and they stated in the response letter while we have complied with federal law, factors beyond our control may prohibit us from confirming or denying the presence of inaccurate information within the timeframe prescribed by state law. We may not have sufficient time to complete an investigation of alleged inaccuracy.

The second account I have is from reliant energy which I also have no validation from the company from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: AZ

Complaint narrative:
XXXX XXXX XXXX is attempting to collect for a security system, I cancelled the service with the company and then they sold their business and the new company started collecting on my closed account even though their was no service on the 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 2020-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
-- on XX/XX/2020 a check was issued by a company to my mother. 
-- My mother passed away soon thereafter. 
-- As her power of attorney, I deposited the check, electronically, to her Bank of America checking account on or about the day she died in XX/XX/2020. 
-- The check cleared the bank of the issuing company several days later. ( also from a bank of america account ) -- My mother 's bank account was locked by Bank of America as of the date of her death. 
-- A successor trust account was established during XXXX, 2020 ( a lengthy and difficult process due to the Covid restrictions ) -- in late  XX/XX/2020 Bank of America transferred the balance of funds in Mom 's original account to the new trust account. 
-- The amount transferred was short exactly the amount of the electronic deposit. 
-- Over the next several months I spent many hours on the phone with Bank of America who refused to provide any information on this deposit, refused to investigate, and refused to provide any avenue for resolving this matter short of going to court to compel their cooperation. 
-- The check issuer has provided me with an electronic copy of the cancelled check proving that the funds were withdrawn from their Bank of America account. 
-- I am seeking a return of the funds that Bank of America has fraudulently removed from my mother 's checking account, and any reimbursement for the many hours spent attempting to retrieve these funds from the bank.

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