vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 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: AL

Complaint narrative:
XXXX XXXX REFYSED TO RENEW OUR LEASE IN XX/XX/XXXX DURING COVID19 AFTER WE RWPORTED THEM TO HUD AND TO THE XXXX XXXX XXXX XXXX INSPECTORS FOR LIVING IN AN UNINHABITABLE HOME. BEFORE WE WENT TO COURT IN XX/XX/XXXX WE CALLED THE MANAGER OF XXXX XXXX  AND TOLD HER WE HAD ALL THE MONEY PLUS LATE FEES TO CATCH US UP PLEASE RENEW OUR LEASE. SHE SAID NO WE DONT HAVE TO RENT TO YOU. THE JUDGE TOOK INTO ACOUNT THAT WE FIXED THE HOUSE UP AND TOOK A BUNCH OFF THE TOTAL LEAVING A BALANCE OF {$2200.00}. SHE REPORTED THE INFORMATION TO ALL 3 CREDIT AGENCIES. XXXX TOOK IT OFF IN XX/XX/XXXX BECAUSE XXXX XXXX IS REPORTED THE WRONG INFORMATION SAYING I OWE {$6200.00}. EXPERIAN AND XXXX  HAVE NOT. I HAVE BEEN DISPUTING THIS SINCE XXXX WITH BOTH EXPERIAN AND XXXX  STILL TO THIS DAY. I HAVE TALKED TO XXXX XXXX  AND THEY REFUSE TO TAKE IT OFF AND SAID THEY WOULD MAKE SURE I WOULD NEVER BE ABLE TO RENT OR BUY A HOME AGAIN. XXXX TODAY XX/XX/XXXX MY HUSBAMD AND I TALKED TO XXXX XXXX THAT HAS THE ACCOUNT TO XXXX XXXX AND SHE SAID AND I QUOTE ... ... '' WE DONT HAVE TO VERIFY THE INFORMATION ON THIS ACCOUNT BECAUSE WE HAVE A CONTRACT WITH XXXX XXXX. '' THIS Was SAID AFTER I ASKED XXXX XXXX  HOW THEY VERIFIED MY DEBT TO XXXX AND EXPERIAN. NOW DUE TO XXXX XXXX NOT VERIFYING DEBT AND XXXX XXXX FOR REPORTING THE I CORRECT AMOUNT, AND FOR EXPERIAN AND XXXX NOT LOOKING ON BOTH SIDES. I AM UNSURE IF I WILL BE ABLE TO GET A MORTGAGE NOW.

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 2021-05-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank blocked my account with {$910.00} on XX/XX/2021 for no reason and when I called them they say they have to send a text message in order to verify my information but their system can't send it to my phone number, the same phone number I've been using since I opened my account with them and the same phone number they have on their system. After multiple calls with them for more than an hour their only response was " sorry we can't help you until we send that text '', now I have no money and no access to my funds because " the system can't send the text ''.

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 2021-05-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My husband and I are trying to get Corporate Credit and have a company helping us to do so. Everything needs to be consistent and correct. When Experian show a credit report my address is incorrect. In their system my address is correct. What will be seen by the corporate credit company is the credit report address. The address is being reported correctly for my husband. WE HAVE BEEN TRYING TO FIX THIS SITUATION FOR 38 DAYS. We have been on hold for hours. We have been promised a correction and it never happened. We have been told we'd get a call back but it was a lie. ALL LIES. Experian has now blocked us, refuses to deal with it or let us talk to a supervisor. BOTH OF THE OTHER CREDIT REPORTS HAVE THE CORRECT ADDRESS ON OUR CREDIT REPORTS. We are on the verge of having our livelyhood ruined. 
They have also spelled my middle name XXXX incorrectly and the past 4 addresses are incorrect

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 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
My US Bank account was disabled XX/XX/21 due to bouncing a check ( {$7900.00} ). I was transferring money between my HELOC and US bank. {$7900.00} was not available in the HELOC account. This caused the account to overdraft. I immediately became aware of this and wrote another check for {$7500.00}, bringing the account to positive ~ {$4000.00}. the customer support line directs me to the branch that placed the hold. I have called the branch over and over again, left messages for XXXX XXXX to call me back. I spoke with him once without a resolution, at that time i demanded the account be closed and the balance sent to me immediately. I have called his boss XXXX XXXX and left several voicemails without 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 2021-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
I need help. My daughter and her boyfriend used my name and social to buy a home and they are trashing it. I am wheelchair bound and at their mercy. They always get so mad when people try to help me. They blame everyone else and never take responsibility. They have restraining orders against them from other people. There is fire damage to this house, debris and trash everywhere. I would be trapped here if another fire happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
The problem is Regional Acceptance is reporting my debt as a charge off. However, I have been remitting payments to XXXX XXXX XXXX ( XXXX  ). XXXX is the debt collection agency for Regional Acceptance. Regional Acceptance refuse to reclassify my debt as paid as agreed.

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 2021-05-05 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I already reached out to the credit bureaus and to BARCLAYS BANK DELAWARE and notify them of their error posting of information on my report. I never missed any payment on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on 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 2021-05-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I expect the credit agencies to do there job and abide by my written request in the letter enclosed they need to give me the information requested or delete the file by law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I paid off a line of credit with Citizens One on XXXX via phone and requested my account be closed. I called again on XXXX as account had not been closed and was told I needed to call back 30 days from payoff date to request. I called on XXXX and again requested the account be closed and was assured I would receive an e-mail confirmation within a week. I called yet again on XXXX as the account still remains open and was told a supervisor was now involved and expediting my request and that I should receive an e-mail confirmation within a week once the account was closed. As of today, XXXX the account has not been closed. PLEASE HELP ME CLOSE THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: TX

Complaint narrative:
I received a notice via the CFPB from your firm stating that my complaint requesting the erroneous, inaccurate, and incomplete items on my report to be deleted was not me. I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company. 

This is my 2nd attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General.

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well.

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 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filed a fraud dispute with my bank. My claim was denied and I was informed that I authorized the disputed charges because I did not report my card lost for several days. When speaking to the fraud department I informed the representative I just noticed unauthorized transactions on my account. The representative demand I give her an exact date my card was lost. I informed her Im not sure but she persist in me providing a date. I informed her the last transaction I authorized. I did not know my card was missing until the day I called to report the unauthorized transactions. I feel the screening process was misleading and deceptive. I am requesting an investigation be conducted on my behalf to clarify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: GA

Complaint narrative:
I disputed a payment with experian with XXXX XXXX for a payment that was made for XX/XX/XXXX. I received my dispute results on XX/XX/XXXX, and Experian updated my credit with two new late payments from XX/XX/XXXX and XX/XX/XXXX that was never on my credit report for being late, nor was I ever notified about this even if this were the case. I've never let my account with XXXX go past 30 days and they should not be allowed to add late payments from 2 years ago to my credit now, because I decided to dispute an error. The people are XXXX  and I'm currently working on trying to get my bank statements from XXXX. Experian also updated my credit report that I made a XXXX payment and XXXX payment is not due until XX/XX/XXXX. XXXX is a scam are they are reporting inaccurate information. I can't even dispute it again because experian won't let me. This is unacceptable and I tried talking with a Rep and Supervisor from XXXX and got no where with this. I've also wrote to the attorney general and plan on taking legal action against this company.

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 2021-05-05 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
The problem is XXXX XXXX is reporting my debt as a charge off. However, I have been remitting payments to Radius Global Solutions ( RGS ). RGS is the debt collection agency for XXXX XXXX. XXXX XXXX refuse to reclassify my debt as paid as agreed.

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 2021-05-05 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: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I already reached out to the credit bureaus and to TOYOTA MOTOR CREDIT and notify them of their error posting of information on my report. I never missed any payment on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Mainly charges for overdraft fees or NSF OD fee for atm and check card transaction that I'm not opted into or enrolled in. I can give more details in phone interview but the latest as of today cost me {$130.00}. 4 NSF fees of {$36.00} each because of Regions paying charges from online debits to my Check card when I have specifically opted out and even asked a representative to place in my account a note that in the event of insufficient fund do not pay and then charge me the od fee as I cant afford it. Yesterday I spoke with the Branch Manager at the local regions in XXXX. GA and XXXX I believe is his name specifically told me he wish he could help but he can't even after I read him the policy saying that if I was not opted in then I would not be charged. I just sat back in his chair and laughed. I have sent emails to regions to no avail. 
Also, if I deposit money it becomes immediately available for me to use but if I do the next day Regions will post debits to overdraft account the charge a fee then post deposit. Even to where you can see a positive balance then a NSF OD FEE to put account in negative so the next transaction causes another of fee.

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 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Got contacted by email and text by Chase bank saying that my email and phone number was taking off the account on XXXX XXXX. When I called and was on hold for almost 2 hours, they said that they had closed the account and would not give me a reason why. The next day I went to the bank and they said there a is restriction on the account and that they can not give my {$6000.00} dollars that is in that account. They said i would have to call and wait on hold to til talk to someone that can lift the restriction, I thought that was what the bank manger was able to do. I called the number and was on hold for another hour and they said that they could not help. I asked to speak to a manger and they said that they could not give me my money until they completely close the account, then they will let me know when I can get my money. I want my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received an alert on my credit report provided by XXXXXXXX XXXX  I found that an unpaid debt was recorded in my name for an account with XXXX XXXX. It was for approximately {$240.00} XXXX I don't recall the exact amount ). I did not have an account with XXXX XXXX, and do not believe I ever have. First, I filed a dispute with XXXX on XXXX XXXX, Case number : XXXX, then I followed up with a call to XXXX on XX/XX/XXXX where I spoke with a representative named XXXX. She informed me that they did indeed have a record of an account opened using my Social Security number. XXXX had already turned over this account to a debt collection agency called Sequium Asset Solutions , LLC. XXXX then transferred my call over to Sequium where I spoke with a representative named XXXX XXXX. He asked me about an address used on the XXXX account in question. It was an address where I had lived almost 20 years ago. Mr. XXXX told me the XXXX account in question had been opened just last XXXX, XXXX. He also asked me about an email address listed for that account that was not my own. Mr. XXXX then told me that he would report this account to XXXX XXXX as fraudulent and that XXXX would conduct an investigation. He noted my true email address and said that I would be contact for updates of my claim status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation