vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 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: MA

Complaint narrative:
Through each Credit Bureau i had submitted a dispute for a Closed account that continues to be reported as accurate but it is not accurate due to the fact that the account should not be reported anymore, the state of Massachusetts has statute of limitstion of 6 years. Car loan with XXXX XXXX was opened in XX/XX/XXXX, it was paid off and closed in XX/XX/XXXX and i was already residing in MA since XXXX. This account I have even taken upon myself the duty of calling the XXXX XXXX in Puerto Rico were i had the loan and opened a claim to verify why the loan is still being reported on credit report, the bank auto loan customer service agent while filing the claim did confirm that the loan does not come up in their system and when it does not reflect it does not have anything to report to the credit bureaus. This account was disputed via XXXX app which is associated with Transunion. Results were provided in the month of XX/XX/XXXX, Indicating verified as accurate, pay status current and payment history cleared. Yet on recent pulled credit report from XXXX it reflects otherwise. Please see images attached showing the diferrence. On a last note also see that on current credit report it does not reflect as account ever being dispute while clearly my evidence shows it was and i received results directly from the credit beaureau.

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 2020-09-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: TX

Complaint narrative:
My Texas Workforce Commission unemployment benefits are dispersed using a US Bank ReliaCard. They are a fraudulent and dishonest financial institution. They have locked my account under the guise of a possible fraudulent transaction. The fraudulent transaction was me trying to transfer money from my card to my bank account. I.e. There is no fraud. Now they have had my account locked for 10 days, and will not acknowledge that the documents that they they requested, were received. Four different times. Apparently this is a huge issue with thousands of unemployment recipients. They are denying us access to our money, and will not contact us to let us know when we will be able to use the card. Honestly, it seems illegal. What are our options to bring this issue to light with the US government? Why would the government do business with such a shady and dishonest institution? 
Please help, as these unemployment benefits are my life line.

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 2020-09-24 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: FL

Complaint narrative:
HAS FRAUDENTS ACCOUNTS AND COLLECTONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: FL

Complaint narrative:
HAS FRAUDENTS ACCOUNTS AND COLLECTONS

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 2020-09-24 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 HAVE TAKEN A LOOK OVER MY CREDIT FILE AND FOUND A NEGATIVE CLOSED ACCOUNT THAT HAVE BEEN REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THIS ACCOUNT IS THE RESULT OF A DROP IN MY CREDIT SCORE. 
I AM ASKING THAT AN INVESTIGATION TAKES PLACE ON THIS ACCOUNT SO THAT THIS ISSUE CAN BE 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 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I submitted a notice of error and CFPB complaint regarding Shell Point 's failure to refund the full balance of my escrow. Based on their response to my CFPB complaint it is clear they not only failed to refund my escrow timely ( my original complaint ) but now they have failed to conduct a reasonable investigation ( 1024.35 ( e ) ( 1 ) ( i ) ( B ) ). My original and continued complaint is that at the closing for my refinanced mortgage the title company paid the property tax and that despite a phone call requesting Shell Point/NewRez stop tax payments they processed the tax payment anyway resulting in an incorrect escrow refund. I advised them of their error and that they still owed me {$8600.00} since XXXX says they have systemic controls in place to block duplicate payments and the only payment they have on record is from the new title company. All it would have taken for Shell Point to do in a reasonable investigation is to pick up the phone and make one phone call to the XXXX County Treasurer 's Office to verify who made the tax payment. Instead, all Shell Point did was send me copies of their internal records which I already knew was incorrect and into which they failed look any further. The whole point of my complaint was that those internal records were incorrect and that I was and STILL am owed {$8600.00}. I want those funds refunded to me by wire transfer immediately. Instead I did their investigation for them and have attached the records from XXXX County showing the XX/XX/2020 tax payment from the title company- NOT SHELL POINT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Systems continues to report that I have an outstanding balance with XXXX XXXX XXXX on my credit report for {$1500.00}. I have explained to this collection agency that I have not lived at that community for well over 6 years, and when I did, I left on good terms. I was on a month-to-month lease, gave a 60-day notice, and left the apartment in immaculate condition. They even refunded my security deposit. So there is no way this debt exists. The apartment community no longer exists either. It was torn down and replaced with another community years ago. On repeated occasions, I have written to the collection agency, and asked them for a detailed representation of the {$1500.00} in charges they claim I owe. However, my countless attempts to acquire this information have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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:
in XXXX I filed disputes with the XXXX, XXXX  and Equifax. It was my understanding that they have to reply within 30 days of my dispute. They have not done so yet. It now going on almost 60 days which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: LoanCare, LLC
State: NY

Complaint narrative:
I am writing to request a correction of an error, whereby my account was penalized with late payment for the months of XXXX & XXXX. Because of current global health crisis & being furloughed from work, I elected to use the forbearance program, which enables people to defer their payments for up to 180 days. In my case this period wouldn't be ending until the end of XX/XX/2020. In addition the property that the mortgage was held for XXXX XXXX  XXXX XXXX, XXXX NY was SOLD in XXXX as my attorney ordered a pay-off and closed in XXXX ; therefore, the property was longer under our ownership. 

Please make the necessary corrections by deleting all late payments against my credit report IMMEDIATELY! You made a wrongful error against myself, since NO payments were late or required to be made as stipulated by the forebearence Program. I value my name like my credit. So I urge you to rectify this unnecessary error ASAP!!! 

Loan Care is known for doing bad practices of this nature. If this matter is not rectify 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 2020-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners
State: NC

Complaint narrative:
Received notification from XXXX XXXX XXXX in regards to a debt of XXXX. Debt was transferred to Pendrick Capital Partners , LLC who has failed to verify that I indeed owe the debt.They sent information that appears to be typed from a home computer ( Pendrick Capital Partners, LLC it they did not verify that the debt actually belongs to me not sure what services I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX shows charged off in 2018 on my three credit reports. After the charge off XXXX XXXX shows account open and late payments on the same account. I have disputed due inaccurate information with all three credit bureaus. The bureaus refuse to remove the inaccurate information and XXXX  XXXX  refuses to remove inaccurate information for years now. This is affecting my credit score for years now. This is against the Fair credit reporting act. This company is knowingly keeping false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX  concerning a XXXX XXXX  XXXX advertised on their website and spoke to a sales agent by the name of XXXX  XXXX in which I informed him I would like to trade in my existing lease ( XXXX XXXX XXXX ) in for a XXXX XXXX  XXXX. During the initial discussion, I inform XXXX  I was already approved with XXXX XXXX with no money down and they would accept the trade in and send me off in the new XXXX  waiving any other fees thanks to promotions sent to me and my wife to continue our relationship with Nissan. XXXX  confirmed all Nissan  promotions offer thru XXXX would also be honored @ XXXX. Currently this would make me and my wife 4th lease, so we are completely aware of how this should go at this point. However, currently I am being billed for the previous XXXX  indicating a balance of {$800.00} after leasing the new XXXX XXXX XXXX. At this point, Im being put in the middle of Nissan Motor acceptance Corporation and XXXX XXXX  each blaming the other. Nissan corporation XXXX XXXX entered the new lease incorrectly not showing it as a trade in or apply any of the promotions discussed. XXXX XXXX says they had no way of knowing the remaining balance on the lease but only received information from Nissan corporation that 2 months were remaining. I even put {$1000.00} down to which Nissan Corporation states not seeing the check sent to them concerning the car. Please assist with waiving the remaining balance as I have a new lease and shouldnt have accrued any penalties due to the trade in due to special promotions via mail ( which also still is coming to me as well XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: MO

Complaint narrative:
Equifax is still reporting my XXXX XXXX  account incorrectly I have recieved letters from XXXX   XXXX XXXX  stating I was not late in XXXX and that my current balance is XXXX and for some reason equifax keep trying to put my balance higher and still have not removed the late payment for XXXX ... I would like this corrected immediately on my credit report on equifax .... I have made two payments since XX/XX/2020 and it still says last payment XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I was having issues accessing my account so I reached out to Citi Bank only to be informed that my account was pending closure, I had not received any notice of this and they gave me conflicting reasons every time I contacted them as to why the account was being closed. Citi bank then closed the account on XX/XX/2020, a check in the amount of {$1600.00} was to be mailed and received by XX/XX/2020 at the latest per Citi Bank. Money has not been received as of XX/XX/2020. Multiple calls have been made to Citi Bank on the following dates : XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. On numerous occasions Citi Bank stated they would escalate the situation, they would overnight the check, they would transfer the funds to the other Savings account I hold with them. None of this has happened even after speaking with several supervisors.

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 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX DOB XXXX SS XXXX I would like to order a Full and Complete Copy of my XXXX XXXX, XXXX analyst Full report, and a full copy of my MIB report. I am having issues with unknown addresses and information that keeps reappearing on my file or incorrect information the is reoccurring that is reporting from various/different databases. I would like an up-to-date copy for my own personal review. This will allow me the opportunity to address any errors and make the needed adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
This is now CFPB complaint number 4. Yes, this is the fourth time I have submitted a complaint against this company. Although we have made VERY LITTLE progress they're still violating our consumer rights! My daughter and I called, faxed and emailed this company over 30 times within the last 3 months requesting that they mail us BOTH a FULL, COMPLETE, PRINTED COPY OF OUR PERSONAL CONSUMER REPORTS. WE HAVE NOT RECEIVED THEM! We did  receive a PARTIAL report from them in XX/XX/2020 which we later learned was NOT the completed report. We were advised over the phone on countless occasions that we have more than ONE consumer number! We have requested that the company DELETE, REMOVE, DISPUTE AND SUPPRESS ANY AND ALL DUPLICATE FILES! We have requested this via email, telephone and now fax! We have literally sent over 30 faxes to this company. We have began faxing all correspondence that we received from them beginning in  XX/XX/2020 along with the copies of the CFPB complaints and emails that confirm that our files should be deleted AND suppressed. The company has refused to send us BOTH OUR OWN PERSONAL SEPARATE copies. It has been OVER 90 days since we requested our consumer reports and still have not received them. It has been over 30 days since we began the dispute process and have not received updated results nor an updated copy of the consumer report. They claim that some information has been verified and validated but never sent us the proof of verification. What was verified? With who? Where are the verified documents? What agency or company verified the information? The reason for my continued complaints is to build a paper trail to make my lawsuit easier to win when I show proof that the company is fraud! The contact person XXXX XXXX is a liar! She barely responds to the emails and when she does, it's not specific and she doesn't actually answer any questions that are being asked of her. Too much time goes by before she actually responds with no information. Just a waste of time talking and emailing her. I have recorded calls and fax transmittal 's. This company 's credibility should be monitored and investigated more thoroughly. Inquiring about starting a class action lawsuit as I'm learning that my daughter and I aren't the only individuals that are experiencing these issues with them. WE HAVE CONTINUOUSLY REQUESTED TO HAVE ALL DUPLICATE, INCORRECT CONSUMER NUMBERS AND CASE NUMBERS REMOVED, DELETED, DISPUTED AND SUPPRESSED! ALL DELETED FILES SHOULD BE SUPPRESSED TO ENSURE THAT THEY ARE NOT ADDED BACK TO THE CONSUMER REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: CA

Complaint narrative:
in XXXX I filed disputes with the XXXX, Transunion and XXXX. It was my understanding that they have to reply within 30 days of my dispute. They have not done so yet. It now going on almost 60 days which is unacceptable.

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 2020-09-24 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: CA

Complaint narrative:
in XXXX I filed disputes with the Experian, XXXX  and XXXX. It was my understanding that they have to reply within 30 days of my dispute. They have not done so yet. It now going on almost 60 days which is unacceptable.

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 2020-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I wanted to use Coinbase as a bitcoin wallet. I then wanted to use XXXX.XXXX as a way of sending the transaction records to my accounting software, which is XXXX, XXXX an open source piece of software ). Currently, the Coinbase website is prohibiting me from doing this by blocking the sequence of steps by which I would connect the software using the XXXX XXXX. I sent an email to the customer service department of Coinbase describing my complaint and after several hours, they did not reply. I believe that they intend to deny me the ability to get my bitcoin transactions that way because they perceive that the " deal '' is " too good '' in my favor.

Company response to consumer: Closed with explanation