vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank Best Buy credit card closed my account on XX/XX/XXXX and sent a letter to me XX/XX/XXXX. I used this card monthly and paid it on time. I only found out they closed it when I paid of the balance so I could make a larger purchase.

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 2021-10-06 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: IL

Complaint narrative:
Experian continues to ignore the Bankruptcy Judges orders which was to have the Bankruptcy stricken from all credit bureaus after a 5 year period of time. XXXX, XXXX XXXX have complied but Experian continues to perform with inadequate investigations. What shocking is every investigations states they used a third party vendor to verify the accuracy of the information. The letters sent to me about the investigations mention XXXX and that I may contact them. I have contacted them and they have removed the bankruptcy from the XXXX report. I have provided all this documentation to Experian to no avail. Please have them do their jobs as this has a major impact on my interest rates for borrowing. They are ignoring the results of XXXX and the bankruptcy order. It has already been an 8 year process with this being on ONLY Experians report for 3 years Longer than ordered by the courts.

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 2021-10-06 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: PA

Complaint narrative:
On approximately Saturday, XX/XX/XXXX I reviewed my TransUnion credit report. Upon reviewing my credit report I noticed that an old credit card account from " XXXX XXXX '' was still reporting as a " current account '' despite being closed nearly three years ago. On the report, under " Payment History '', Trans Union 's comments indicate this account was closed in XX/XX/XXXX ( a comment of XXXX is noted ). I disputed the status of this account with TransUnion on approximately Sunday, XX/XX/XXXX. TransUnion responded saying that they incorrectly verified the account status as accurate ( despite my credit report from the other two bureaus correctly showing this account as closed ). I have attached the investigation results for the CFPB to review.

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 2021-10-06 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
My personal information was stolen and multiple cards where opened in my name and maxed out. Ive sent FTC AND POLICE REPORTS AND THE CREDIT CARD COMPANY IS STILL REFUSING TO REMOVE THIS ACCOUNT AND CHARGES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My personal information was stolen and multiple cards where opened in my name and maxed out. Ive sent FTC AND POLICE REPORTS AND THE CREDIT CARD COMPANY IS STILL REFUSING TO REMOVE THIS ACCOUNT AND CHARGES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK
State: RI

Complaint narrative:
On XX/XX/21 I dined at XXXX XXXX in XXXX, a local restaurant that I have been to o a number of occasions ( as documented on my Discover charge history ) and that boasts of being the best restaurant in XXXX. On XX/XX/21 just 2.5 hours after dining at XXXX, I started XXXX  XXXX  incessantly into the morning hours requiring hospital treatment -IV fluids, medication, etc. Later on my XXXX XXXX XXXX daughter began XXXX  XXXX  as well. I also provided documentation of a call made to her pediatrician for this as well as my hospital discharge summary coinciding with the time I was treated and for what and how I was treated and where. I contacted the merchant via telephone and XXXX messages after they responded to a review I left however never heard back. 

I initiated a Discover Dispute based on the services I received. When I telephone and speak to them including a manager by the name of XXXX, I was told repeatedly there is nothing Discover can do if the restaurant provided a receipt. XXXX stated this is a he said she said thing and because the restaurant is providing a RECEIPT there is nothing Discover can do. I attempted to explain in DETAIL that I have hospital RECORDS as well as my daughters pediatric records showing the date that we were both treated for XXXX  XXXX  because of the chicken at this restaurant. I uploaded my discharge summary verifying this, meeting my burden of proof for bad service yet Discover is unwilling to even consider or LOOK at my proof as is in within my right. I proved that I was provided with not only an unsatisfactory service that I should not be liable for but a DANGEROUS one that required hospitalization, missing 3 days of work, and acquiring these bills as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: TX

Complaint narrative:
I've been working with Equifax over the past few months in an attempt to rectify identity theft related items on my credit report. During this process, they placed a Fraud Alert on my credit without my consent, and now, for whatever reason, I am no longer able to see my updated credit score via the my.equifax.com site OR sites like XXXX XXXX, etc. I filed a request to have this block removed weeks ago and no action has been taken. Most recently when calling, I was told by them that it wasn't their fault and there was nothing I could do but wait. 

To add insult to injury, I pay Equifax to get a daily score that has been frozen since XX/XX/29 This has caused me damage as I try to accurately monitor my credit for future identity theft, as well as prepare to buy my first home. To be safe, I have emailed Equifax and all credit bureaus a request to remove any fraud alerts from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: GA

Complaint narrative:
After I started my dispute with Equifax, They locked me out of all credit monitoring services. I can not monitor my account for for changes or fraudulent activity or important changes. I have provided multiple government identification documents and financial information to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft, my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud happened nor I have not benefited from any of this. I provided proof that I was XXXX  ( identity theft report, the accounts, paper work from the government of my XXXX  and validation letters ) to the creditors and all XXXX credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in XXXX  ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX  and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan 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 2021-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently did a observation of my own involving my consumer report and I found inaccurate, unverifiable, unauthorized and questionable items on my consumer report.Each credit reporting agency must make sure they are reporting 100 % accurate by law.XXXX, transunion, and XXXX are in violation of my consumer rights as they have inaccurate, unverifiable, and unauthorized items on my consumer report as they have items that on my report that dont match up with the other bureaus consumer reports of 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 2021-10-06 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Beginning Winter of XXXX after requesting my consumer report- I started a dispute THROUGH EXPERIAN for XXXX XXXX XXXX about INACCURATE information on my credit. This information was disputed through the other credit bureaus and was removed due to INACCURACIES and failure to provide proper proof from the creditor. I submitted written letters ( in which I have copies ) that have stated THIS IS NOT MY DEBT. EXPERIAN claims to have done investigations ( which I counted to Dispute for almost a year ) ; this is false. I have requested for proof XXXX, XXXX, XXXX, XXXX Each month multiple times ( written form ). Just recently, XX/XX/XXXX, I came across an email for from the company in which I allegedly have a debt with ; with a EXTREME DIFFERENCE of what was reported which is still inaccurate. This LETTER IS FROM THE COMPANY AND READS FINAL BALANCE. I have done the work for EXPERIAN. I submitted proof that could have been validated FROM THE EMAILS and signatures attached ( including contact info ). EXPERIAN wont allow me to dispute this!!! They will not investigate and have not investigated. I provided documentation to support my argument and XXXX XXXX XXXX HAVE NOT.

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 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
They froze my account and have refused to disperse funds even after waiting the six months with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX we got a notice that out pay pal account was closed and froze. We did not think what we sold broke there terms and conditions as it doesn't say anything about selling brass but they did. Regardless we found other means to receive money for our business and was content to wait out the 6 months. However now they say they can keep all our funds in the account due to " Damages '' that were not described. Also they debited {$800.00} dollars from the from my fathers account that I had given him before the issues with the account. We were given no explanation for this debit so we are out the XXXX dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I have had EXTREME difficulty with Shellpointe Mortgage Servicing/ New Rez Mortgage with delayed credit reporting. Currently they have only reported through XXXX 2021. It is now XX/XX/2021 and their lax reporting issues are impairing our financial situation. I have spoken with with the company numerous times and nothing gets done until I report them. This is the third time I have had to report them for three DIFFERENT issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a savings account with bank of America from social security payment. 
On about end of XX/XX/XXXX, I found out someone stole all the money. I made numerous trips to local bank and reported to various organizations. So far I was reimbursed most except around {$8000.00}.

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 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vengroff Williams, Inc
State: OH

Complaint narrative:
I sent in a verification letter XXXX21. The company has yet to verify my debt or send me any type of verification that this is my debt. It is now XX/XX/21 and I have yet to receive any letters in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: LA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
This is the second time I have complained and I will continue to file complaints until this is fixed. 

First, the mortgage company, Mr. Cooper, did not inform us of the mortgage assistance programs they have after 3 phone calls. We interpreted that as an attempt to defraud. 

Second, when we finally discovered the program, we began the application process. They explicitly state the underwriting is paused while we are applying. That was fine. 

The process of applying was brutal and took a long time. We were denied. That is okay. But the process of us finding out was unlawful and unethical. You can not begin the underwriting on a loan and not inform the people responsible for that loan. That is what happened to us. We were denied and we were not informed until a week after the decision was made. 

The company claims to have contacted us but I have no emails, phone calls or text messages from them letting me know that the application for mortgage assistance was denied. My first indication that it was denied was when I received notification on XX/XX/XXXX, screenshot attached, that I had a negative report on my credit report. I looked and saw it was Mr. Cooper. I thought it was a mistake considering we had not heard from the company about their decision. So I decided to wait, and call after the weekend. 
Then I get a certified letter in the mail stating the mortgage was due. Granted, at this point, we still had not been notified of the decision concerning our application. Then 4 days after I got the hit on my credit report, we received an email stating we had a document to review. No phone call. No text message. No direct statement to make sure we received the information. On XX/XX/XXXX, see screenshot, we were notified of our denial. 
I don't care that we were denied. Although we struggled for a couple of months, we are caught up completely and are looking to refinance with a different company so we no longer have to work with you. I have also spoken with XXXX XXXX and the VA regional home loan officer to make sure they are aware of how you treat veterans and to make sure your company is not allowed to hold VA loans. 
You made no attempt to collect the debt before you reported that the payment had not been made. So you will fix the credit report. It does not hurt your company one bit to make this right. But it will hurt your company to continue to act unlawfully and unethically with a veteran and person of color, both protected classes. You will fix this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: VA

Complaint narrative:
Say I owe XXXX account closed XX/XX/19. Last payment date is XX/XX/19. Not accurate

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 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Equihome Mortgage, LLC
State: MI

Complaint narrative:
I was sent a solicitation by US Mail from Equihome Mortgage ( NMLS # XXXX ), which was trying to get me to refinance my existing mortgage with them by making false claims. 

As you can see in the attached image, they advise that if I refinance my with them I can eliminate monthly mortgage insurance premiums from my loan with XXXX and save hundreds per month, with other possible benefits as well. 

Two false claims here immediately jump out : 1 ) My loan is not with XXXX. 
2 ) I put 20 % down when I purchased my home back in XXXX and have never pulled any equity out ; so I do not have - and never have had - mortgage insurance. 

This type of advertising is predatory on consumers. If I believed what is in this letter, I would think its possible that there is another mortgage out there in my name that Im not aware of ( with XXXX ), or that I need to refinance to save hundreds of dollars ( that Im not spending ), etc. 

Please address this with the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: MoneyLion Inc.
State: OH

Complaint narrative:
In XX/XX/2021 I noticed a fraudulent personal loan account for {$500.00} from MoneyLion was showing on my credit bureau reports. I immediately contacted MoneyLion and they started an investigation. 

On XX/XX/2021, I received a letter from MoneyLion stating the account was opened fraudulently and closed as a fraudulent account on XX/XX/2021. I'm attaching a copy of the letter from MoneyLion.

Today, XX/XX/2021, I received notification from XXXX that this fraudulent account is still on my credit bureau reports but is also now reporting that it is delinquent. 

Please remove this fraudulent account from my credit bureaus, I also sent another email to MoneyLion telling them they need to remove it.

Company response to consumer: Closed with explanation