vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Been keeping track of my credit to apply for home loan but lenders can't get a report or credit score from EXPERIAN.

I've contacted Experian several times, Experian Dispute department was able to send me my report but I need a membership to get my score.

I tried to get a membership but every time I try to get one on line it gives me a message ( we were unable to find your report with the information provided ) I called Experian to get help getting a membership but every time I've call the rep tells me that my report is locked due to too many time tried to pull it up.

I've been asked to wait 72 hours and when I call back is the same results, my report is locked. 
I haven't been able to have this resolved for about a year and the last couple of months it's been very frustrating because none of the Experian reps can help me. 
Experian dispute rep tells me they can't see anything wrong, the membership rep tells me they can't access my repor and the lenders can't pull my report or my score. 
Experian is the only credit agency that I have problems with, XXXX  and XXXX  are very helpful.

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 2020-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
In XX/XX/2020 i contacted rushmore financial several times an talked to personnel about obtaining my mortgage payoff and escrow payoff and was told multiple times that they would not give it to me because they had issued it in the mail already and were not required to do so after i told them what the purpose i needed for was to refinance my home they still refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a checking account with US bank number XXXX. A few days ago, US bank deposited the same check I sent TWICE, so of course it was only paid one. And then US bank charged me a {$19.00} check fee?!?. However, they did not charge the fee until I withdrew all my balance, so that way the {$19.00} would cause me to overdraft and then they charged me another {$34.00} to make my account be {$55.00} so they could continue to charge overdraft {$34.00} fee everyday. This is illegal.

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 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Genesys National Recovery, Inc.
State: PR

Complaint narrative:
Date : of emails of debt collection, threats of law suit increase debts and degradation of credit to credit bureaus. 
XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( 4 emails ) XX/XX/XXXX By phone : Since XX/XX/XXXX up to now to many calls at different hours early morning and even night, to my phone and even my girlfriend and they gave her false information. Threats to send police, law suits, etc ... 

They started with amounts of {$1500.00} then agreed to half but made if paid in full. 
Made a payment to cancel the account for an amount of {$550.00}, but received a letter stating the debt was canceled for {$450.00} leaving a {$100.00} balance positive. 

Today I received another email from the collector stating I still owe {$590.00}. 

Since COVID19 XXXX Ive not been able to generate income because I can no longer work. 

This was a gym which I stoped attending cause of Health reasons and the contract was until XX/XX/XXXX to my understanding they extended to XX/XX/XXXX. 

The calls come from FL area code XXXX, from TX and PR. 

To my understanding I made an agreement on the account paid over the amount agreed and still now they are coming back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Hello Digit, LLC
State: WA

Complaint narrative:
Digit offered a promotion where I would get {$100.00} if I shared my referral link and got three people to sign up by XX/XX/XXXX. Then, when they had all made an autosave using Digit I would receive the bonus. I got 2 of my friends to sign up on XX/XX/XXXX, and another to sign up on XX/XX/XXXX. 
Digit made an autosave for the first 2 friends and I received {$5.00} for each of them. But Digit didn't make an autosave for the third friend. Eventually, I reached out and helped them change the checking account linked to their Digit account. Then the Digit finally made an autosave for the. 
However, Digit only credited my {$5.00} for that referral instead of the {$90.00} they had promised under the terms of the promotion. I finally reached out to Digit on XX/XX/XXXX. They replied " After looking into your account it shows that one of your friends auto saved and was paid out on XX/XX/2020. Unfortunately the promotion date for the {$100.00} ended on XX/XX/2020. '' I reached reached out again arguing that their promotional page only stated that the friends had to sign up by that date. The page said nothing about when the autosave had to occur, and it was Digit 's fault that the autosave had been delayed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: NJ

Complaint narrative:
I receive your response to my previous claim against your company. See Attachtment documents, 2 other banks and Transunion made a full investigation about my claims against their company and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report.

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 non-monetary relief
Consumer complaint received 2020-04-04 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: DISCOVER BANK
State: NJ

Complaint narrative:
I receive your response to my previous claim against your company. See Attachtment documents, 2 other banks and XXXX made a full investigation about my claims against their company and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: CITIBANK, N.A.
State: CO

Complaint narrative:
My wife, XXXX XXXX, is the primary card holder and I am an authorized user. She first added me to her Citi card in XXXX, around XXXX/XXXX, when I first moved to the U.S. 

We had a slight upset in our marriage around XXXX XXXX and she removed me from her card. Things were fixed and I was added back to the card around XX/XX/XXXX, 8 months ago. 

Since then I have made numerous calls to Citi Bank and the credit agencies to find out why this card is not being reported properly as it doesn't show up on any credit report. I have used my card multiple times so we know that isn't an issue. 
Citi Bank say they're reporting correctly and the credit agencies say there aren't any problems their end. Essentially I'm stuck in the middle and no one will take accountability as to why this credit card isn't showing on my report, choosing to blame the other instead. 

Since being added as an authorized user in XX/XX/XXXX I have obtained various lines of credit that have all been reported fine, one being another credit card and the other being a car lease. There has been no issue reporting either to the credit agencies.

I have received 3 letters from Citi Bank stating they are reporting correctly, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX however this does not seem to the the case. 

Every time I call Citi Bank for an update they confirm my personal information and tell me to wait 30 days. The first few months they had the incorrect SSN for me, they only noticed after several phones calls from myself. The next few months I noticed they weren't using the correct credit card number so I wouldn't ; t have been associated with that account. It seems like there has been numerous errors at Citi Bank and I'm the one suffering.

Today XX/XX/XXXX I spoke to Citi Bank following up with my latest enquiry only to find out nothing has been done for 3 weeks. Allegedly they tried to call my wife to confirm SSN, DOB and our names. I have been told to wait another 30 days.

This card is in good standing, payments are not missed and I am losing out on the benefits to my credit report. Even if it was 1 point a month that's still 8 points. We also pay an annual fee for this card which seems  insulting given the lack of service received.

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 2020-04-04 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-04-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Yesterday I received a threatening letter from Chase stating that they are accelerating the HELOC that was extinguished on XXXX when the illegal foreclosure on my home was done. This account has been rid of being part of the foreclosure. Not only is this account gone but this ______ XXXX Chase is trying to sell my home again! while at the same time billing me on it still. This in addition to the state of Mass issuing a foreclosure and related activities Stopped. You are in direct Violation of this new law. Chase you can not foreclose on his HELOC just because you put an illegal submission of another illegal document ( assignment ) 15 yrs After the initiation. It does not allow you to foreclose on my home with it. JP Morgan Chase Bank NA sent me the letter dated XXXX stating this status on both accounts. You need to get it. I had to travel for use of this internet service putting my life in danger before you try to take my home and evict me. I am a high risk for the covid19 being XXXX yrs old XXXX with underlying medical issues. I will also be contacting the courts and Registry of Deeds where you submitted this illegal " assignment '' with intent to commit Another illegal foreclosure. This second foreclosure attempt is set to start on XXXX according to the letter. See all attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX  and XXXX  are reporting Delinquent, in collections, late, and Derogatory statements on my credit bureau report. I have called the Department of education several times and have been told that they have provided the credit bureaus information to remove this wrong information since XXXX. My student loans are not in default or late. On XXXX XXXX I spoke to XXXX a supervisor at Department of education and was told they are not reporting anything negative to the credit bureaus. On XX/XX/XXXX I called Nel-net spoke to supervisor XXXX and explained to her that I also needed them to send me an letter stating I am not in default, and they are no longer servicing my loans. I was told that the letter would be emailed to me, she verified my email address, and of XXXX XXXX I still have nothing from Nelnet. I was told by Nel-net that they have not reporting anything to the credit bureau since XX/XX/XXXX. I am attaching the letter that I received from the Department of education

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: FL

Complaint narrative:
XXXX  and Equifax are reporting Delinquent, in collections, late, and Derogatory statements on my credit bureau report. I have called the Department of education several times and have been told that they have provided the credit bureaus information to remove this wrong information since XXXX. My student loans are not in default or late. On XXXX XXXX I spoke to XXXX a supervisor at Department of education and was told they are not reporting anything negative to the credit bureaus. On XX/XX/XXXX I called XXXX spoke to supervisor XXXX and explained to her that I also needed them to send me an letter stating I am not in default, and they are no longer servicing my loans. I was told that the letter would be emailed to me, she verified my email address, and of XXXX XXXX I still have nothing from XXXX. I was told by XXXX that they have not reporting anything to the credit bureau since XX/XX/XXXX. I am attaching the letter that I received from the Department of education

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a checking bank account at BBT in North Carolina. My account became blocked and no one can tell me why. I called the bank several times and was told different things by different representatives. First I was told my debit card was block and then after some digging I was told that my account was pending closure and then back to online representatives telling me my account is blocked. 

At this point I just want my account closed. I can not visit a branch due to the global situation but I keep being told to go in to close the account which again I absolutely will not and can not do. I am completely unsatisfied with the handling of my account and I want it closed 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 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received an unsolicited letter from Bank of America stating that they were reviewing my application for a credit card. I did not make an application. They also indicated that they had contacted XXXX  for my credit report. This is a violation of my privacy and my finances. 

The letter is suspicious in many ways and the phone numbers do not match phone numbers on the BOA website. 

I received a similar letter from XXXX XXXX and I have submitted that to CFPB. 

Please contact Bank of America about this unsolicited letter and their contact with XXXX. 

Thank you, 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 2020-04-04 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: FL

Complaint narrative:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation