vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 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: MA

Complaint narrative:
In XX/XX/2019 I contacted XXXX XXXX for an extension on my payment on my account answer be placed in my payment protection plan that I paid for every month with the company the payment protection plan covers you in case of XXXX deaths family emergencies loss of job loss of income etc. I am formed XXXX XXXX   that I needed to be a part of the program and to activate it my subscription that I paid for every month to get coverage for my payments because I was out of work due to having a XXXX And losing my XXXX the representative told me that my payment will be all set and I didn't have to worry about any payments in late fees or negative remarks on my credit report. However XXXX XXXX is reporting that I am 30 days late on my credit report even after sending them all the proof that I have XXXX XXXX XXXX see attachments.

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 2020-10-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX froze my XXXX debit card they have both givin me no reason why I am now homeless with XXXX XXXX XXXX no money no answer I have recorded 14 direct answers from edd and bank of America claims and its all to much im contacting a lawyer if my kids have to stay outside in the cold another day im going to loose it and this has been going on since XX/XX/XXXX I have even been hung up apon by both edd and bank of America several times they put me on hold and dropped my call I person hung up on me in mid sentence this is supposed to be for covid 19 cause cant work well now me and kids exposed to everything and everybody to be honest im thinking of XXXX XXXX and im  serious

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 2020-10-15 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: FL

Complaint narrative:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE STOLE AND USED MY SOCIAL SECURITY NUMBER AND PHOTO ID THESE ACCOUNTS ARE FRAUDULENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-10-15 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:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE STOLE AND USED MY SOCIAL SECURITY NUMBER AND PHOTO ID THESE ACCOUNTS ARE FRAUDULENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE STOLE AND USED MY SOCIAL SECURITY NUMBER AND PHOTO ID THESE ACCOUNTS ARE FRAUDULENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX should be removed as they stated they did not pull my credit and was unable to pull my credit due to fraud alerts that prevented them from doing so. I informed them that it was being refected as being pulled but they denied this occurred, I had called each creditor to inform them of this and I have documented e-mails/calls from the company stating that they were unable to pull my credit. 
XX/XX/2020 XXXX XXXX should be removed from my credit because he pulled my credit after I informed him that I did not want to work with him. I have e-mails and text messages to support this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
This company has repeatedly harassed me after I have responded to them several times expressing that this is not my debt and did not open this account. It seems they bought this account from another company that previously I thought the matter had been resolved. I have sent them several letters requesting proof on how I supposedly opened this account but I get no response. Just several threatening phones calls and letters saying they were going to take me to court and seize my assets. This has been going on for several years through multiple agencies. I would just like this matter resolved and the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX should be removed as they stated they did not pull my credit and was unable to pull my credit due to fraud alerts that prevented them from doing so. I informed them that it was being refected as being pulled but they denied this occurred, I had called each creditor to inform them of this and I have documented e-mails/calls from the company stating that they were unable to pull my credit. 
XX/XX/2020 XXXX XXXX should be removed from my credit because he pulled my credit after I informed him that I did not want to work with him. I have e-mails and text messages to support this.

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX should be removed as they stated they did not pull my credit and was unable to pull my credit due to fraud alerts that prevented them from doing so. I informed them that it was being refected as being pulled but they denied this occurred, I had called each creditor to inform them of this and I have documented e-mails/calls from the company stating that they were unable to pull my credit. 
XX/XX/2020 XXXX XXXX should be removed from my credit because he pulled my credit after I informed him that I did not want to work with him. I have e-mails and text messages to support this.

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 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
I received a notification today that Northwest Collections added a collection account to my credit file for {$110.00}. It shows original creditor XXXX XXXX, which I assume is a medical bill? Ive never had any business with this original creditor and even if I did It would have been paid because I have HMO insurance which cover any cost at 100 %. I have a primary care physician thru my HMO. I have never heard of this collection agency either. I havent received any letters, nor calls. This is a bogus debt that needs to be removed immediately. Its very upsetting these people would try something like this during a pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello, On XX/XX/XXXX I purchased a fridge from Lowes. I opened a credit card on that same day and paid {$700.00} dollars on the credit card at the Lowes store in XXXX, New York. I was paying down the fright monthly until I decided to cancel the purchase of the fridge. The total amount I paid towards fridge was {$1500.00}. I put in a request to have the money that I paid down returned to me but Lowes only sent me a check of {$770.00}. That is not the full amount of what I am owed. I have called Lowes customer service repeatedly and have not gotten a response. I also called Synchrony Banks customer service. I went into the store and spoke with to the Operations Manager for Lowes in XXXX, New York. Her name is XXXX XXXX. XXXX promised me that the situation would be resolved in week. I attached the chain of emails showing we were in contact and she stopped responding to me.

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 2020-10-15 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello I had over {$500.00} waiting to be deposited into my bb & t checking account but because of the long weekend I knew it wouldnt hit until Tuesday Monday evening I instant transferred some money into my account so I could purchase shipping labels from XXXX for my buisness and knew I was cutting it close but should have been enough to cover the {$36.00} in XXXX costs When I woke up Tuesday all was normal in my account and had over {$500.00} as expected Wednesday goes by same thing I went to bed with {$440.00} in my account when I woke up I had a slew of emails from bb & t and {$200.00} in my account They charged me {$210.00} in over draft fees for the labels Monday night Tuesday morning before the account hit I called and asked since I had the money technically at all times and may have been a dollar or some cents off if they could adjust the fees especially since I have never asked to get my overdraft fees removed when things like this has happened before They said bb & t had strict policy there was nothing they could do I was transferred multiple times and spoke to 2 different managers they just said that they marked my account that I had already asked and they said no and now no one will talk to me This is nothing short of robbery If I had been charged an overdraft fee they should have done so once not kept pinging my account they held my funds and then took them away days later

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BROCKELBANK INC
State: MI

Complaint narrative:
CB Manistee has several debts on my credit report with XXXX. The other 2 credit reporting agengies have removed these debts but XXXX  has not. I have tried and tried for a couple of years to get these debts straightened out. Sent copies of payments to cb manistee and the credit reporting agencies and yet they still appear on my XXXX  report. ALL OF THESE DEBTS FOR MEDICAL HAVE BEEN PAID OFF DIRECTLY TO THE HOSPITALS AND OR DOCTORS. 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 2020-10-15 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Hello, Santander Consumer USA has recently been involved in a $ XXXX Car loan settlement. I know that I am a part of this settlement and would like to move forward with receiving my title for my XXXX XXXX XXXX XXXX. I got this car back in XXXX when I was making {$12.00} an hour. My original loan amount was {$13000.00} at the time. Currently I have monthly payments of {$300.00}. Looking back I definitely was taking advantage of because I could not afford that loan at that moment. At that time I was making my payments on time and Santander was reporting my loan as late and delinquent when I was not. I have a lot of late payment on my account that are not accurate and is causing my credit score to drop. I am not able to get approved for anything like a home loan because of these  delinquent late payments that are on my account. To resolve this issue I would like Santander to hand over my title and pay out my auto loan in full. Also delete completely of my credit report. I have had numerous issues with this company not reporting on time with my credit report. Also Santander has deleted good on time payments dated back to XXXX and XXXX for no reason. I have called Santander numerous of times and they have not done anything to resolve this issue. I have also sent out dispute letters to them and they always come back with telling me that everything is accurate when I know its not. I would really like this issue resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: KEYCORP
State: NM

Complaint narrative:
I receive UI benefits from New York. My exsiting card was closed because Key banks fraud department said there would be a new one issued. This has been on going since XX/XX/2020, today is XX/XX/2020 and I have yet to receive a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
I had made a pre-payment for the purpose of setting up a flex payment plan. This payment was made on XX/XX/XXXX. The first payment from the flex plan was supposed to occur on XX/XX/XXXX. This was a bank holiday so I assumed it would occur on XX/XX/XXXX. It did not occur. I called the servicer on XX/XX/XXXX and they told me that they did not do what they were supposed to do and that if I want to be on this plan I need to pre-ay the loan again and then wait for XXXX for the flex plan to start. This is not what I was told would happen. No one working for the servicer wants to take ownership of this issue. I was put on hold for a half hour. A supervisor picks up, transfers me to another supervisor who hung up the phone on me. Now I am on hold again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am no longer a authorized user on the XXXX XXXX account opened XX/XX/2015 that is reported to the credit bureaus. Please remove this account off of 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 2020-10-15 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: NY

Complaint narrative:
I am no longer a authorized user on the XXXX XXXX account opened XX/XX/2015 that is reported to the credit bureaus. Please remove this account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Received a letter from Chase that they are closing my credit card account, which I have had for 18 years, based on a 'reputational risk ' to the bank. When calling, they confirmed the letter is legitimate, but will not provide any additional information other than accusing me indirectly. Specifically stating that I must have done something that would create regulatory risk or potential fines for Chase, such as when someone opened an account at a XXXX dispensary ( which I have not done ). They refuse to provide any other information, other than essentially accusing me of illegal activity ( they mentioned money laundering as well ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
Loancare LLC gave false information and stated that a loan modification was granted via phone, a letter was recieved stating that no modification was granted. XXXX? 

Loancare LLC knowingly claimed that my primary residence is NOT my primary residence, as paperwork was supplied as requested by Loancare verifying home occupation.

Loancare LLC willingly engaged in dual tracking in violation of federal law.

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