vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 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'm been sending letters for Validating and verifying the REPORTED infromation on my accounts for more than 6 months!!! 
I have my consumer rights to get my report CORRECT and REPORTING only VERIFied and TRUE but some accounts are missing DATE OF LAST ACTVITY or reported WRONGFULLY, Date of last payment is INVALID or LATE PAYMENT was NEVER LATE. 
Letters sent out for Personal information and other Negatives false reporting accounts on : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 But the accounts still shows date last verified on these accounts XXXX, I never got a respond letter from the bureaus or the creditors VALIDATING or EXPLAINING the ERRORS reported. and the accounts are not marked as DISPUTED!! compelty IGNORING MY LETTERS even though I added to each letter my identification documents!!

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 2021-12-29 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: NJ

Complaint narrative:
I'm been sending letters for Validating and verifying the REPORTED infromation on my accounts for more than 6 months!!! 
I have my consumer rights to get my report CORRECT and REPORTING only VERIFied and TRUE but some accounts are missing DATE OF LAST ACTVITY or reported WRONGFULLY, Date of last payment is INVALID or LATE PAYMENT was NEVER LATE. 
Letters sent out for Personal information and other Negatives false reporting accounts on : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 But the accounts still shows date last verified on these accounts XXXX, I never got a respond letter from the bureaus or the creditors VALIDATING or EXPLAINING the ERRORS reported. and the accounts are not marked as DISPUTED!! compelty IGNORING MY LETTERS even though I added to each letter my identification documents!!

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 2021-12-29 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: IL

Complaint narrative:
I'm been sending letters for Validating and verifying the REPORTED infromation on my accounts for more than 6 months!!! 
I have my consumer rights to get my report CORRECT and REPORTING only VERIFied and TRUE but some accounts are missing DATE OF LAST ACTVITY or reported WRONGFULLY, Date of last payment is INVALID or LATE PAYMENT was NEVER LATE. 
Letters sent out for Personal information and other Negatives false reporting accounts on and BEFORE : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 But the accounts still shows date last verified on these accounts XXXX, I never got a respond letter from the bureaus or the creditors VALIDATING or EXPLAINING the ERRORS reported. and the accounts are not marked as DISPUTED!! compelty IGNORING MY LETTERS even though I added to each letter my identification documents!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M and T bank refused to refund me for fraudulent withdrawels and payments made using my pin number in XX/XX/XXXX. They sent me a letter on XX/XX/XXXX that on XX/XX/XXXX XXXX $ would be taken from my account to return their provisional credit. I had reported this fraud within 30 days of it happening, and their were more fraudulent charges made that they DID refund, but they stated that due to my pin being used they need information on how the pin was acquired. How am I as a consumer supposed to know who/how my pin was acquired/stolen? When I spoke on the phone and voiced my concern on how I can not provide the information on how the pin was stolen, the agent simply said " sorry ''.

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 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I called about the remittance slip on XX/XX/XXXX, a Capital One representative said that they recieved it without a check. I told them I used the remittace slip, Capital One rep said they do not accept those forms a payment. I called again on XX/XX/XXXX and a rep said they will not accept it and will see if they can send it back. I never recieved the returned remittance slip but I recieved a new remittance slip for the XX/XX/XXXX- XX/XX/XXXX billing cycle. I sent that remittance slip in via certified mail on XX/XX/XXXX because now when I call they say they never recieved any form a payment. On XX/XX/XXXX I was transfered to XXXX # XXXX who became upset when he did not understand the process and I informed him that I was told the slip was recieved and would be returned to me. He said it is not in the notes, I told him the notes were not correct, and with that he said that he was going to put the same incorect information in as well. I called back and spoke to XXXX who was very pleasant to speak to and was able to assit with a complaint on his end but I do not know what it said. So we have multiple remittance slips, none of them have been returned and nothing reflecting on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a XXXX credit card and was never told that they are charging me a extra fee for interest... I pay over my payment amount .. my bill amount is {$120.00} and I pay {$650.00} or {$250.00} never below XXXX and then they charge me a extra {$68.00} to {$75.00} extra a month for interest for items I have already paid interest on

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 2021-12-29 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: NY

Complaint narrative:
For the past year I'm asking XXXX  and EXperian to VALIDATE the " Alleged LAte Payment '' on my account but they never investigated it. Account show as " verified '' since XX/XX/2020 but it's not ACCURATE and there's another error in the PAYMENT HISTORY that was never VALIDATED VERIFIED or INVESTIGATED and it hurts my SCORE and rEPORT. 
I've sent at least 12 letters with my personal identifiers since XX/XX/2020 and never got a letter back for the bureaus with results, or the creditor about the account. 
Also Have a PAID COLLECTION on XXXX that still reports BALANCE!!!

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 2021-12-29 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: CITIBANK, N.A.
State: NC

Complaint narrative:
There is a Citibank N.A. reporting on ( 1 ) of the ( 3 ) Reporting Credit Bureau. XXXX is reporting a Citibank Account Number XXXX that I am an Authorized User on this account. I have made several attempts to get this repaired and as of today XX/XX/2021 it is still being reported. First attempt XX/XX/2021 called CitiBank they sent me a letter dated XX/XX/2021 letting me know that they were unable to update the Credit Report. To remove authorized users for Credit Reporting the Authorized user must be removed from the account. Second attempt XX/XX/2021 no help received the 2nd letter from Citibank telling me the same thing the XXXX letter said. Then I wrote a letter to Citibank on XX/XX/2021 letting them know that I did not never give anyone my Permission to put me on a Card as an Authorized Users. I have not heard back from them but as of today XX/XX/2021 I check my XXXX Report and it is still out there. Please help this is not my Debit. This is Fraud using my name and my information without my permission.

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 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/21 called XXXX XXXX XXXX and/or XXXX XXXX ( XXXX XXXX XXXX ) when I finally reached a rep ( XXXX ) described the situation ( fraud indicator about address ). I wanted to know which address was triggering the fraud indicator. She was unable to tell me that info, suggesting I try a dispute w/XXXX. I've already done that, and the issue has been going on for a month w/numerous phone calls to creditors, credit bureaus, and smart move. XXXX sent me to her supervisor XXXX. XXXX was unable to help me either and kept referring me back to XXXX. How is it possible for any and all of these organizations to provide information about me, to potential landlords/creditors/etc and have no documentation to back it up? XXXX said the info was verified. Since I still don't know which address specifically they are referring to, how was it verified? What is that verification? No one knows or is willing to share that info w/me the consumer that they are reporting it about. There is no accountability to anyone for anything they are reporting that I can see.

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 2021-12-29 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I had a credit balance on my Comenity Bank credit card account for 3 transactions that i was owed a refund by a merchant. Comenitys negligence for over 6 months now is unacceptable. Supposedly they mailed out my credit balance refund of {$24000.00} on XX/XX/21. this refund check was latter stopped and it bounced after I deposited it. They Supposedly re-issued the refund on XX/XX/21, but as of today it has still not been delivered to me. i tried calling them by phone, but these phone personal only keep on suggesting for a new request to be submitted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi I have an issue with three late payments on my credit profile thats not supposed to be there. The company I got my auto loan from XXXX XXXX XXXX waved the 3 months due to Covid 19 I also have documents that show the extension for the months of XX/XX/2020, XX/XX/2020 and 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 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This amount of {$410.00} appeared on my credit report. I have been trying to get in contact with the company only to be not answered. I have tried to talk with a representative that only hangs up on me when I explain to them this is not my account. They want my social security number but I am not giving them this information. I want the information removes as if is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I reported the fraudulent activity on checking account with Bank of America but they refused to do anything until I come in office. The closest office is 70 miles a way and I am 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 2021-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
My Mortgage servicer wrongly reported 2 late payments in XX/XX/XXXX & XX/XX/XXXX. Both claims were actually the mortgage company 's fault so I appealed both charges 3 times. Their response letter agreed with one fault that caused the late payment in XXXX but dismissed the second fault that caused the late payment in XXXX. No adjustments to my credit report were made. They served my address with a foreclosure notice instead. 
When I inquired of the foreclosure notice, the mortgage company had no record of sending one. I then disputed my uncorrected report with XXXX 3 more times by submitting my evidence of timely payments made and the letter of admission from Mortgage company that caused the first negative remark but XXXX 's solution was to appeal my Mortgage company. All instances involved the mortgage company failing to send notifications of service changes & I have all of the proof necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I have requested written verification of this debt from this company on multiple occasions. To this date, I have not received any documents validating this debt. All correspondence was? sent via certified mail delivery # ( XXXX ) XX/XX/2021 IC SYSTEM XXXX XXXX XXXX XXXX. XXXX, MN XXXX ACCOUNT # XXXX AMOUNT : {$1400.00} I have attempted verification also by way of disputing with the credit bureaus also. Verification was not provided from XXXX, XXXX, and XXXX who all continue to report these unverified negative marks on 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 explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I made a mortgage payment on XX/XX/XXXX for {$2200.00}. 
Payment due was for Principal {$1100.00}, Interest of {$7.00} and Escrow ( Taxes and Insurances, Homeowners and Flood ) for {$1000.00} additional principal of {$.00} to be applied to the Principal Balance. 
Remaining Principal Balance on the mortgage statement is {$1600.00} expected payoff is XX/XX/XXXX PNC Mortgage applied the payment of {$2200.00} without ever contacting me as follows : Principal {$1600.00} to payoff the loan interest and remaining added to escrow. 
They have violated consumer protection and finance laws based on misappropriation of Escrow funds and applied them to payoff the loan. I called and got a response that I would get an escrow refund in 20 days, I asked them to appropriately apply the principal payment of {$1100.00} leaving a balance for the XXXX payment and apply the total {$1000.00} to my escrow account. They refused and said the account is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Can't get a hold of company to explain this is not an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TX

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX. XXXX XXXXXXXX Late Payments from XXXX XXXX All Inquiries

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 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened a Regions LifeGreen Checking account in-branch after receiving a {$400.00} offer in the mail. The offer required completing certain activities to receive the bonus, including XXXX debit card transactions and enrolling in online statements, which I did. According to Regions, they tried depositing the {$400.00} bonus on XX/XX/XXXX and the account was considered to be in a " soft-close '' status because it had a {$0.00} balance (? ) so the {$400.00} bonus payment wasn't completed, even though I have a recurring deposit every two weeks. 

I called in about not receiving the offer and confirmed I had completed all other activities except for the account being at a {$0.00} balance at the time they tried depositing the payment, but at no time was I informed that to be considered " in good standing '' the account had to be positive at all times. Regions was unwilling to bend on this " condition '' of theirs which at no time had been relayed as part of the offer, nor had I received any notification about this new " condition '' throughout the 90-day offer period. 

I am asking the CFPB to please step in and have Regions honor the marketing incentive, as it seems disingenuous that their internal " soft-close '' status is what rejected the new account offer, and it was never mentioned that that was a 100 % requirement to actually RECEIVE the bonus after having completed all other prerequisite activities.

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 2021-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I applied for a credit card with Victoria Secret and was allowed a {$1500.00} credit limit. I have had that card for over 3 years and never had a " random pull '' or change. Checked my credit report and noticed that Victoria secret not only decreased my limit but did so without even contacting me. 
Once I called the company they told me the reason they decreased my {$1500.00} limit to {$100.00} is because of a random credit pull and they did not have to contact me about it. 
However I never -authrtoized a credit check so that's fraud - nor was I informed or asked about random detrimental changes to my credit card limit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian is blocking my ability to unfreeze my credit report temporarily. When I enter my pin it says it is inaccurate, when I request a new pin it says it has submitted it to me, but still says it is an inaccurate pin. When I try to contact the company I get redirected to purchase all their products. I need to get this freeze lifted today.

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