vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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: TN

Complaint narrative:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed 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 explanation
Consumer complaint received 2020-12-17 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-12-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
On or around XX/XX/XXXX I called Sallie Mae and tried to make arrangements with the interest only loan student loan. I am the co-signer for my XXXX children. I am going through a divorce with no financial support. MY income has been cut to less less a 1/3 of what I was making while I was married and originally when the loans were taken out. I tried to get ahead of the 7 loans going into default. for over a year I was able to get forbearance but now late payments has a negative impact on my credit report along with my children. I can not afford to make the interest only payments or make the payments when the grace period is up in XXXX. I have repeatedly called looking for help in many departments at Sallie Mae begging for help, to no avail. My credit score has dropped 100 points at this point. I just entered the work force a year ago and I was a stay at home mother trying to support four children and a house hold.Thank you for any help you can offer. 
XX/XX/XXXX is the beginning of when my credit has negative reports, I have disputed the claim. Currently the loans are approximately {$120000.00} in student loans.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 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 — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Issue is with XXXX XXXX XXXX XXXX collections Agency..for ( XXXX XXXX XXXX. ) For Debts..They Suspended my ACCOUNT And Sent it To ( Experian To Removed from my Report.withen 30 days..I Need Your Help if You Can to get EXPERIAN To UPDATE My Report ASAP..I Need it off so I CAN Get A Apartment for XXXX move in Date..Experian must Be off My Report to do so..

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 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I had sent a {$50.00} amount on XXXX which is linked to my Bank of America debit card in which I paid for a service I did not receive however on XXXX it does not allow me to dispute the payment and Bank of America said they are unable to do anything regarding the claim. The person whom of which was offering the service now refuses to offer me a refund despite numerous attempts and XXXX requests made to that account stating I would like a refund, the person also never stated that the service was non-refundable so I would like to proceed with getting my money back.

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 2020-12-17 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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I was looking for a air conditioning service and the lady agreed and asked me for a deposit of {$100.00} I sent the money through cashapp. She asked for more money for the deposit and I told her I would send half the payment which was {$150.00} so I sent her {$150.00} in total. She said she never received the money, I thought it was a bit weird and asked her if she can send the money back I showed her proof that the money was sent and then she said no its wasnt when the money was taken from my account. I requested the money back on cashapp and she declined it and called my bank and they did a dispute but werent able to get the money back and they told me to file a claim through this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have been listed as an authorized user on an account. This account is not being reported on XXXX  or Transunion, only XXXX  This account should be reported. 

XXXX XXXX  XXXX Card Account number : XXXX XX/XX/2014 ( 6 yrs, 6 mos ) CONTACT INFO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN 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 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have been listed as an authorized user on an account. This account is not being reported on Experian or XXXX, only XXXX This account should be reported. 

XXXX XXXX  XXXX Card Account number : XXXX XX/XX/2014 ( 6 yrs, 6 mos ) CONTACT INFO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN 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 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
A credit card account was begun based on my cell phone which I did not authorize. The company XXXX Citi XXXX XXXX XXXX, XXXX XXXX, SD XXXX ). Because I do not possess info for them to access my phone, i.e. password, etc. they say they can not help me. They also asked for my Social Security Number, which I did not give. I am XXXX years old and need help cancelling this account. ( Although the statement refers to my Citi credit card, I have not rec 'd. such card.

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 2020-12-17 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-12-17 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: Credit Plus Inc
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, CREDIT PLUS add a hard inquiry on my credit reports perXXXX XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I've disputed several inaccuracies on my credit report with dispute letter dated XX/XX/2020 to Experian for the account XXXX XXXX XXXX that's being reported on my credit profile. Experian responded back to me stating the company that reported the information has certified to Experian that the information is accurate. I am filing a complaint on Experian and XXXX XXXX XXXX for the inaccurate information reported on my credit profile which is highly damaging to my credit score. Because of the inaccurate information reported I would like for the item XXXX XXXX XXXX be deleted per FCRA. 

In the dispute letter I also asked Experian to disclose all information to me in my consumer file clearly and accurately per Section 609 ( a ) ( 1 ) of the FCRA without any truncates of my account number and social security number. Experian have failed to do so as I requested.

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 2020-12-17 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian has already dropped my credit score by three points upon opening of investigation. Nothing has changed on my report, but today it's down three points.

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 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This debt was accumulated as I was the caretaker for my spouse for 5 years until she XXXX  in 2018 of XXXX XXXX & XXXX XXXX I was unable to work full time so this burden of debt was created. 
Now at the age of XXXX I am haunted and threaten by the bank and collectors of theirs. 
Please help me I have been sending half of my S/Security income monthly to them {$900.00} among the XXXXhree Institutions but their collectors are relentless. 

In my life time i would not be able to satisfy these debt and especially now with the pandemic and being unemployed for almost a year i am destitute.

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 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: NJ

Complaint narrative:
Was in a 6 month forbearance with Gregory Funding since I was unable to make the high mortgage payment when my husband died suddenly. I have made all the payments and they have not paid the 3rd and 4th quarter property taxes which I received a letter from the city saying my home was going for sheriff sale first week of XXXX. I tried to reach out to Gregory Funding and was on hold for OVER AN HOUR and was told they wouldn't be paying them until the forbearance was complete. I receive a letter from Gregory Funding every month saying I'm late which I was told I wouldn't be because of receiving my SSI check on the second Wednesday of the month and was also charged a fee that no one could tell me what it was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On XXXX XX/XX/2020 I made a mobile deposit of {$2000.00}. This is a normal process for me as I make this type of deposit on a regular basis. As days went by the bills I had scheduled to pay online started to be returned to me as well as my collecting of overdraft fees. I finally called the bank today and was told that due to this time of year the fraud team is holding onto mobile deposits longer than normal this leading to these bill pay issues. I was never warned about this and, as I mentioned, never had this issue before. So now I'm told that the only way I can get my money is to bring a copy of the check to a branch manager and hope that he/she will clear it. That or wait until XXXX XXXX for it to clear. Again, this has never been the case before. So, not only am I losing money to overdraft fees but TD Bank is holding my paycheck hostage and I can't buy presents for my children for XXXX until they decide to release it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 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: CBC Companies, Inc.
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX  add a hard inquiry on my credit reports perXXXX, XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: GA

Complaint narrative:
Everytime I get over to the customer service department for the Way2go program through XXXX theres a XXXX person on the phone and they allways discriminate against me and block my card. First they were saying I was given them the wrong info in which they blocked the card twice and I had to get them removed. Also I asked for a replacement card and dispute form and it never showed up. The incident happened where I called in to ask for another card and for the fee to be waived and somehow my card thats in the mail got blocked and my account is restricted once again. Its allways a XXXX person doing it. They once gave me the wrong fax number and all. I feel discriminated against and also I feel as if they are trying to block me from recovering my funds back to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
Beginning XXXX XXXX I have received calls daily until XXXX XXXX today, XXXX XXXX. The calls are from phone number XXXX, Sequium Asset Solutions. I am not the person they are trying to contact. I have spoken to them twice to confirm this and they confirmed I am not the person they are attempting to contact. I was told by both employees that my number would be removed from their contact list. It has not been removed. My next step is to contact an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX, THE CITI BANK ALREADY HAS MORE THAN 3 MONTHS THAT IS IN THE PROCESS OF CLOSING MY ACCOUNT, AND IT IS NOT YET CLOSED, THE ACCOUNT HAS {$2000.00} BALANCE AVAILABLE AND THE BANK HAS NOT SENT ME A CHECK WITH THE FUNDS THE DELAY IS TOO LONG THE BANK DOES NOT WANT TO CLOSE THE ACCOUNT AND SEND ME THE CHECK WITH MY FUNDS, PLEASE ACT NOW AND SEND MY CHECK. DEBIT CARD: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 2020-12-17 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
As a result of Covid19, my tenant was late paying her rent payment. Which in turn made me late paying my mortgage on my primary residence. I alternate which I pay first. I contacted Ma & T bank, they advised they were not going to remove the late payment because it was one month prior to the Government relief protection. I have not ever been late in my 5 years of home ownership. I asked for a courtesy, the supervisor told me no directly. Please assist, as my score decreased over 75 points as a result.

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 2020-12-17 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: MD

Complaint narrative:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 60 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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