vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX balance {$14000.00} XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX XXXX balance {$20000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX balance {$5700.00} XXXX XXXX XXXX XXXX balance {$64000.00} XXXX XXXX XXXX XXXX XXXX XXXX balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2021 I initiated a trustee-to-trustee transfer from UMB Bank to XXXX Bank for a specified amount. The form I sent to UMB Bank clearly stated the amount to be transferred and that my account with UMB Bank should NOT be closed. UMB transferred the entirety of my account balance to XXXX XXXX  and closed my account. They also charged me a {$25.00} account closure fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent a verification of accounts request to TransUnion in reference to XXXX BK accounts that appears on my credit report with them. I have documentation that Transunion received the request for method of verification on XX/XX/XXXX. Allowing them the 15 days to provide the requested information. I then sent them a XXXX letter on XX/XX/XXXX asking them to delete the information as they never responded to the method of verification letter, for which they received this request on XX/XX/XXXX as per documentation. I then sent another request for deletion as per non response on XX/XX/XXXX for which they received on XX/XX/XXXX. Now in the cross I received a notice from TransUnion finally dated XX/XX/XXXX which is well after 15 days or even 30 days after receipt of the first request on XX/XX/XXXX, stating that the accounts were verified as accurate. However ; they did not include whom verified these accounts to be accurate. I reviewed my credit report and it states that TransUnion uses a third party to verify this information, however their letter did not state from who. On XX/XX/XXXX I called TransUnion and spoke with a supervisor by the name of XXXX who stated to me that they use XXXX XXXX as their third party verification and its just a computer base verification. So I called and spoke with XXXX XXXX and they started an investigation of their own as they state that they are the third party reporting agency for TransUnion. In the meantime I once again asked TransUnion to remove the accounts. On XX/XX/XXXX TransUnion sent a notice stating I could no longer dispute these accounts unless I had other/new documentation. I received from XXXX XXXX documentation stating they were unable to verify the validatity of XXXX of the accounts and have removed them from my report. I sent this information to TransUnion of XX/XX/XXXX with the documentation from the XXXX party vendor for which they stated they used to verify these accounts advising that per their investigation the accounts has been removed. TransUnion received this information on XX/XX/XXXX and still have not removed the accounts

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 2021-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have disputed items since XXXX of XXXX ( possibly sooner, have to check the records sent to the co. over and over ) and have been passed back and forth many many times and waited on hold to be cut off after hours of waiting times and have talked with multiple cust. service agents XXXX confused which departments though as some were paypal and others XXXX 's bank " synchrony '' which is supposedly handling the dispute now XXXX and before ). So they tell me they " reopened the case '' again. I was told at the end of last XXXX that they " misfiled '' the papers I sent them XXXX or 3 times that included pics of problems, their forms with the co. listed etc. 
As of today, XX/XX/XXXX there is still no resolution to this dispute opened almost a yr. ago totalling {$980.00} for the various stores that did not refund spoiled or returned items as they should have and the stores all cited " covid '' in order not to credit after the fact.. 
The last pp agent I recently spoke with said my dispute was closed out last yr. but that it was odd that she could not find any resolution when they closed it out..so they once again reopened it In the meantime, the balance due on the account is LESS than what the disputed amount plus the {$19.00} interest they charged me on the XXXX statement and they want me to pay minimums and will continue to charge interest and report my account negatively to the credit bureaus due to their mistakes! contacting them doesn't help at all and I can't find my messages now either ( you could before they delete them )

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 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. I have been a victim of IDENTITY THEFT and have supplied all the proper documentation to all XXXX bureaus on or around XX/XX/2021. To this date nothing has been done to protect me or my financial well being. It is well beyond the 30 day threshold and therefore every account requested should now be deleted!

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 2021-03-01 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. I have been a victim of IDENTITY THEFT and have supplied all the proper documentation to all XXXX bureaus on or around XX/XX/2021. To this date nothing has been done to protect me or my financial well being. It is well beyond the 30 day threshold and therefore every account requested should now be deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: GA

Complaint narrative:
XXXX  Trans Union and experience have all dropped my score 33 points down by reporting that I have a new bankruptcy but it is the same bankruptcy submit it three years ago I recently received a settlement and the bankruptcy court force me to pay off my creditors and all three credit bureaus will not update the paid off information for each creditor I was forced to pay off and to add to add insult to injury they also dropped my score XXXX  points down stating that it is a new bankruptcy when it is clearly not the case

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 2021-03-01 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: GA

Complaint narrative:
XXXX XXXX XXXX and experience have all dropped my score XXXX points down by reporting that I have a new bankruptcy but it is the same bankruptcy submit it three years ago I recently received a settlement and the bankruptcy court force me to pay off my creditors and all three credit bureaus will not update the paid off information for each creditor I was forced to pay off and to add to add insult to injury they also dropped my score XXXX points down stating that it is a new bankruptcy when it is clearly not the case

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 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting XXXX inquiries in my credit file that I did not authorize. This company has failed to delete inaccurate or unauthorized inquiries in my credit file. It is extremely damaging to my credit and character and can prevent me from obtaining credit in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: GA

Complaint narrative:
Equifax XXXX XXXX and XXXX  have all dropped my score 33 points down by reporting that I have a new bankruptcy but it is the same bankruptcy submit it three years ago I recently received a settlement and the bankruptcy court force me to pay off my creditors and all three credit bureaus will not update the paid off information for each creditor I was forced to pay off and to add to add insult to injury they also dropped my score 33 points down stating that it is a new bankruptcy when it is clearly not the case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
ON XX/XX/2020 I submitted my Public Service Loan Forgiveness Program form for last year. MyFedLoan.org is suppose to review the form and grant me credit for the past months towards my 120 payments to complete the program. I have called every couple weeks for the last 90 days and I get the same excuse. They have to verify my employer is still qualified. I work for XXXX as a XXXX XXXX. Same place for the last 7 years. As of this morning the service provider still hasnt given me credit for last 12 months and no one there knows what the hold up is. I get the same generic response. Please help before these payments no longer qualify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have a Goldman Sachs Apple Card with a 2000 dollar limit they wont allow me to make any charges to my card and I am only at XXXX dollars. Someone is controlling my credit accounts and limits illegally as part of a control and credit fraud scheme where they give known informants credit that they are taking from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
We never had an escrow balance because we never paid into escrow, since we pay our own taxes and insurance. The bank returned our payments as escrow disbursement scam, in order to portrait that we were always late and never paid the mortgage on time. This is a fish and bait to see if we take the money and use it for something else so they can complete and continue defaulting us with the intention to steal our property and equity. They are thieves and have targeted my household to do us harm cause were latinos and minority, they think were stupid enough to be scared, and stay quiet to there scam. This isnt a coincidence this is a plan theft by professional thieves. 

this bank servicer is a delinquent criminal and should be investigated and penalized for there mortgage servicing scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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:
I have filled three complaints about racism at the td bank at XXXX XXXX XXXX XXXX, sc XXXX. This specific complaint I was targeted and my accounts were frozen and I had no access to my funds. I have been on unemployment from debt of GA for 9 months and received my deposit to this exact branch, now all of a sudden they stating its fraud because i live in SC. I live in XXXX Sc and drive to XXXX GA for XXXX for a year prior to being furloughed however I'm sure they are not doing this with everyone else. I was forced to send in paystubs, w2 forms, and unemployment proof from GA and I complied on XX/XX/21 however is XX/XX/21 and still have a freeze on my account. I feel that I being discriminated being an XXXX XXXX woman. Here we are in a pandemic and I'm already on unemployment that I can't receive. I then received my taxes and they froze that too. I am going to look into legal advice and the media to show how a XXXX women is being treated at a predominantly white city and bank over filling a discrimination complaint. If this was a fraud issue there was 10 months prior to the complaint to take these steps. Now I'm receiving the run around and I also filled a complaint with the OCC. My next email is to the attorney General Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: OH

Complaint narrative:
Dar Sirs, I actually do have two problems with US-Bank : I am not a member of XXXX XXXX membership, I closed all my accounts at US-Bank, as well the CreditCard.

US-Bank is still showing the CC.

Even after many calls, US-Bank is not closing the CC.

I is waisted time to send emails to US-Bank as well to call, nobody cares.

Beside this, I get every week a message from US-Bank : As a benefit of your XXXX XXXX membership, this is a notification that there have been no reported changes in your credit file ( s ) during the last 30 days. To view a complete history of your credit alerts, log in to your account now. 

I am not able to stop those unwanted emails. I am not!!!!!!!!!! a member of XXXX XXXX, I never signed in for that!!!!!!!!! 

Today I called XXXX  again and here is what the person - a man - recommended : go to cfpb!!!!!! 

In my mind, this is the peak of impertinence.

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 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting 22 unauthorized inquiries in my credit file. It is damaging to my credit and character. I did not authorize 22 inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. Although there has been a little improvement, I still haven't received this via dispute response from any of the bureaus. As of today I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I contact National Credit System in XXXX because they are reporting on my credit an account for {$2900.00}. I sent them a dispute letter by certified letter asking them to verify the debt. I never heard back from them. So I decided to call them. Before even saying anything regarding that account I let them know that I was recording this call. The representative proceeded to ask me my name and account number. I told them I do not have and account with them, and the number I have is of my credit report and it shows 2 X at the end. They told me I needed the full account number for them to find the account. So she ask for my social security number I gave it to her and again no account was found. She then use my name and an account came up, an account that had my partial name and a different SSN. They didnt have ANY of my information, I had to give it to them. Then told me to send them a copy of my FTC identity theft report in order for them to remove the account. I did it and still nothing. So I disputed it with the credit bureaus and and they told the bureaus they will not remove the account from my report. Ive had enough of their shenanigans, Im at the point where Ill be taking legal action and it will result in small claims legal action against them at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation