vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 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: GA

Complaint narrative:
Equifax, XXXX, and XXXX  have not responded to my attached dispute that was sent on XX/XX/2020. They were sent certified mail and I have not received any resolution to the erroneous accounts that are present. 

Certified mail slips evidence XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a record of them receiving the requests with no response since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have been trying for years to get a loan modification on my mortgage with TD Bank. They always claimed that they did not receive my application when I sent it back to them. So I am consistently behind on payments that are hard for me to afford on a fixed income as a retired person. I recently obtained a lawyer to help me try to get a loan modification and try to communicate with TD Bank. Through her fax line and email, I have submitted a loan modification application packet to TD Bank to the fax number and email that they provide. I have submitted this application 6 times : XX/XX/XXXX via email, XX/XX/XXXX via email and fax, XX/XX/XXXX via email and fax, XX/XX/XXXX via email and fax, XX/XX/XXXX via email and fax, and XX/XX/XXXX via fax. I have never received any acknowledgement that the fax or email was received or is being reviewed. The only response I got was once to receive a form letter and a brand new application packet in the mail, with no indication that I had already sent them my income proof, my bank statements and a signed and completed application. I am sending everything to the fax number and email that is provided on their application. I have gotten confirmation that the faxes and emails were successfully delivered. I believe there is a federal regulation that states that if I ask for a modification, TD is supposed to respond within 10 days with further instructions or review. They have clearly ignored this requirement. I feel trapped and totally ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX, and TransUnion have not responded to my attached dispute that was sent on XX/XX/2020. They were sent certified mail and I have not received any resolution to the erroneous accounts that are present. 

Certified mail slips evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is a record of them receiving the requests with no response since.

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 2021-01-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I attempted to get Equifax to fix the error on their end that is preventing creditors for being able to pull my credit. Im an trying to apply for a mortgage loan and the lender is unable to get access to my Equifax report. We have both contacted Equifax and confirmed there is no freezes or fraud blocks on my account but it is unable to be pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
California company XXXX XXXX XXXX XXXX is attempting to shake down/extort me for an alleged debt owed. They are illegally operating as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and other phantom names that do not exist. The company has no DBA 's for any of these names and refuses to identify themselves on phone calls. The person I spoke with was XXXX XXXX, a known administrator of the company along with her husband XXXX XXXX. They are illegally pretending to be attorneys, when they are in fact not attorneys. They have told me a lawsuit was filed against me when no suit had in fact been filed, they have said there is an open investigation against me for breach of contract and malicious intent to defraud a bank, leading me to believe I had committed a crime and could be arrested. They have called my mother, sister, father and threatened them. They have left threatening voicemails and refuse to leave me alone and my family alone. Phone they have called from include XXXX, XXXX, and 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 2021-01-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: MI

Complaint narrative:
I received a US Bank ReliaCard from the Ohio Unemployment Insurance Program. I'm not an Ohio resident, have never worked in Ohio, nor have I applied for unemployment in the state of Ohio. Despite numerous calls to their fraud department, I have been unable to reach anyone or get a response. I want to make sure this account is identified as fraud and not associated with me or my information.

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 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
Last year when I checked my credit report I saw this company on my credit report. When I called them to see what his debt was about. They were unable to advise me of what the debt was about and could not or would not provide verification of what the debt was. I have asked this company of verification and have still not been provided any yet.

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 2021-01-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received a US Bank ReliaCard debit card in the mail today. I called US Bank and they told me it was an unemployment debit card. I did not apply for unemployment or the card. They tried to transfer me to relicard branch which keeps hanging up the call. When I call the number on the card it just wants me to activate a pin number. I called cfpb to file a complaint. Today is XXXX2021.

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 2021-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WA

Complaint narrative:
Ameracollectpay.com has been calling repeatedly and never says what debt it is. I don't owe them or anyone anything.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have sent XXXX, Equifax, and XXXX  Letters that reported inaccurate information on my credit report, and they have refused to resolve the issue. I have wrote letters for the last 4 months, and there has not been any action taken or investigated. They have reported wrong information on my credit reports, and all three of the credit bureaus are reporting different items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This XXXX card that later got rebranded to XXXX was advertised with a cash back from purchases that never happened since inception in 2017. This card is issued by Synchrony Bank and they claim XXXX is responsible for the cash back. They being XXXX wont answer emails or the phone and the bank cant help. This was an advertising scam.

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 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I had an XXXX auto insurance plan for a few years and made monthly payments. I had shopped around and I ended the auto insurance plan on XX/XX/XXXX prior to due date of monthly payment and obtained a new plan with a different company. I contacted the company several times letting them know. They continued to send monthly statements for an policy that I ended. I would have to call them and report the same thing over and over. On XX/XX/XXXX I received a letter from collection agency regarding the remainder of the policy. The letter was dated XX/XX/XXXX. I have contacted the company in writing disputing the charges.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: LA

Complaint narrative:
Experian not updating scores and i paid to see all 3 bureaus

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 2021-01-08 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-08 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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX 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 2021-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX not updating scores and i paid to see all 3 bureaus

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 2021-01-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX not updating scores and i paid to see all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED FIDELITY FUNDING, CORP
State: NE

Complaint narrative:
On XX/XX/XXXX I sent a check in the amount of {$1800.00} to united fidelity for my mortgage and {$500.00} to go to escrow. 
They received my check and cashed it I was thinking my mortgage was payed as I am trying to refinance I was set to close on XX/XX/2021 when they tried to get my payoff they said I still owed my XXXX payment so I called and finally after 1.5 hours on hold I got through and they said they didnt know what to do with the money so they just held it making me late on XXXX payment I told them to apply XX/XX/XXXXto escrow and the remainder to my mortgage. The refinance company called me Monday XX/XX/XXXX saying they still have no payoff amount so I called United fidelity and spoke with three people and they said it all went to escrow and they would send a request to get it fixed. I called today XX/XX/XXXX and it is still not fixed and try back on Monday. I now have to pay extra to extend my interest rate lock and have to make another payment past due because they failed to do their job

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advanced Collection Bureau, Inc.
State: NM

Complaint narrative:
Not aware of the debt. Never received any communication regarding the debt. I want to dispute this collections record on my credit report. I want this to be removed ASAP.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: OH

Complaint narrative:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. My current address is XXXX XXXX XXXX, XXXX, Oh, XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this 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 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I recieved an alert notification from my XX/XX/XXXXXX/XX/XXXX account indicating that I had a new account reported under my ss #. 
I checked my account to my surprised discovered that a citi bank credit card showed reporting under my name and social security number. I know I never sign up for a credit card by citi bank. I am aware that my husband added me as an authorized user on his account but not a responsible party for any financial lost. My husband never gave Citi bank my social security number only my name and date of birth. My husband Clearly made sure Citi bank will not report this as my credit and being responsible for any of the debts while using my husbands citi credit card. He added me as an authorized user on XX/XX/XXXX shortly after we got married. 
Citi bank reported me to the 3 major credit bureaus i e XXXXXXXX XXXX and XXXX. 
My husband contacted Citi bank and explained to them that I was only to be added as an authorized user and nothing more. He also asked them how did they locate my personal information to report me to the credit bureaus. They said it came from XX/XX/XXXX, a warehouse store that requires a membership to shop and paying an annual fee. However XX/XX/XXXX does not required anyone 's social security number to obtain a club card unless that individual decided to applied for a credit card. My husban open a Citi credit card I believe on or aroundXX/XX/XXXX of XX/XX/XXXXHe opened a XX/XX/XXXX XX/XX/XXXX card onXX/XX/XXXX. 
Citi bank reported me the credit bureaus XX/XX/XXXX. 
The call was made to removed me from the reporting and to closed the citi bank credit card. 
I feel this practice is not legal and it is adversely effecting my personal credit negatively and Citi Bank needs to be addressed and inform regarding to this practice.

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 2021-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: NE

Complaint narrative:
We leased a XXXX XXXXXX/XX/XXXX from XXXX XXXX XXXX in XXXX Nebraska, it was a 3 year lease. The vehicle was financed through GM Financial account number XXXX under XXXX XXXX. In XX/XX/XXXX we decided to purchase the vehicle and went through our bank, XXXX XXXX XXXX XXXX XXXX for the financing. This was completed on XX/XX/XXXX. Our GM Financial account shows it's paid in full however we have tried to get plates on the vehicle and the Nebraska DMV shows their is a lien on the account. We have contacted GM Financial several times and was told there was not a lien and they would send us a letter stating this. We received a letter ( attached ) but it only states AmeriCredit was acquired by General Motors Company. We need GM Financial to get this corrected so we are able to register this vehicle.

Company response to consumer: Closed with explanation