vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-28 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: OH

Complaint narrative:
I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
The auto loan was started XX/XX/XXXX the auto was totaled in XXXX XXXX in XX/XX/XXXX payments were made XXXX a month for six months to Santander during the time of having truck - XXXX XXXX and XXXX {$24000.00} ( waiting on statement from XXXX ) on the loan to Santander and I also did not get refunded for all the warranty side purchase on the loan of XXXX for a service contract service contract XXXX for theft protection. I verified with XXXX that this extra warranty purchase on the truck was refunded to Santander with my salesman XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX. Santander was paid more during the 6 months I had the truck than the original loan amount on XX/XX/XXXX. There is no prepayment penalty for my loan verify with consumer Santander is paid in full and Im waiting on reimbursement on my warranty that they took on the loan provided by XXXX and the during of six months considering the loan was only XXXX and theyre still trying to get XXXX from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: VA

Complaint narrative:
My mortgage was originally with Ameris Bank who then sold it to XXXX. XXXX has yet to receive the payments that Ameris Bank took and cashed from me in XXXX and XXXX. I have been unable to reach Ameris Bank at any of its numbers and I constantly get a recording that goes nowhere. I have raised the issue with XXXX as well but have not had any followup from them. Now XXXX is telling me I have an escrow shortage. Ameris Bank sold the loan sometime in XXXX apparently but somehow XXXX hasnt gotten the payments. At a loss on how to contact anyone at Ameris Bank to get the payments over to XXXX so it can be applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC
State: NY

Complaint narrative:
The westlake financial account was closed as a charge off and closed account is off XX/XX/2020. The creditor agreed to remove off the report and is still popping up on the report I tried to dispute it numerous times and is still there it is in violation of my rights. According to the fair credit report action section 609 you are required by federal law to verify through the physical verification of the original sign consumer contract any and all accounts you posted on the credit report. I already demanded the verification proof the original consumer contract with my signature on it. it havent been sent. I disputed this account numerous times are ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: Chime Financial Inc
State: CA

Complaint narrative:
unfortunately for me I've had three separate FTC reports filed for fraud in the past year regarding the my chime account 7 XXXX XXXX charges have yet to be credited I'm in the process of finding disputes temporary provisional credit has not been issued notifying their claim to 100 % And guarantees and honoring visas policy as well. Because time does not fancy itself a bank doesn't change the violation of its own policy and advertising that policy that we are somehow protected by visa when using their card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC refuses to reimburse overdraft fees, despite repeated pleas and proof of significant income loss due to COVID. My account is now in the negative by over {$500.00} due to fees. I was given the Covid credit and verified with the bank that it was not going to be reversed. There were two communications via their online chat. On XX/XX/21 a representative wrote to me " Those credits will not be reversed. One it was discovered to having a Hardship due to Covid-19, PNC is able to issue credit to support you. '' OnXX/XX/XXXX I verified with another representative who wrote to me : " Happy to Help, I do not show notation that Covid Temporary Credit will be reversed. I show the funds will be available on XX/XX/21 ''. Instead the credits were reversed, another representative told me to go and read the " fine print '' of the Covid waiver, and, to date, I have been charged overdraft fees in excess of {$500.00}. Repeated attempts on my behalf to get this resolved have been futile. It is criminal what PNC is doing to its customers. Ethically and practically, there should be a moratorium on fees. Customers should not have to begging for leniency, only to be dismissed by customer service agents who have clearly been given a script by the corporate controllers. Shameful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: MS

Complaint narrative:
On XX/XX/21, I received a notification from my credit monitoring service of a new collection. They name of the collection/debtor is Diversified Adjustment Service. I have never received any written notification from this company. I have no idea who they are or what this debt is about. I know nothing and was never given an opportunity to contact the agency themselves or to dispute it. This is against the law. I have USPS informed delivery and looked back in emails and never has there been a letter from this company addressed to me or anyone at my address. To this day, I have no idea what this debt is in reference to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The XXXX XXXX  account was closed as a charge off and closed account is off XX/XX/2020. The creditor agreed to remove off the report and is still popping up on the report I tried to dispute it numerous times and is still there it is in violation of my rights. According to the fair credit report action section 609 you are required by federal law to verify through the physical verification of the original sign consumer contract any and all accounts you posted on the credit report. I already demanded the verification proof the original consumer contract with my signature on it. it havent been sent. I disputed this account numerous times are ready.

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 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The XXXX XXXX  account was closed as a charge off and closed account is off XX/XX/2020. The creditor agreed to remove off the report and is still popping up on the report I tried to dispute it numerous times and is still there it is in violation of my rights. According to the fair credit report action section 609 you are required by federal law to verify through the physical verification of the original sign consumer contract any and all accounts you posted on the credit report. I already demanded the verification proof the original consumer contract with my signature on it. it havent been sent. I disputed this account numerous times are ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: FL

Complaint narrative:
On XX/XX/2020 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. 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. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
I received a statement saying that the bank citizens one did not receive my XXXX $ Monthly payment for the month of XXXX. I never even opened an account with this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: OH

Complaint narrative:
In the course of the month of XXXX, my husband and I have received four ( 4 ) credit cards with four different names using our home address. We have lived in our home for 25 years and built the home. Therefore, no one else has lived in our home. Additionally, we are in the process of selling our home, which is when the problem began. 

Here are the names of individuals of the credit cards sent to my home address ( XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ) as sent from the same address ( XXXX XXXX, XXXX. XXXX XXXX, XXXX, Indiana XXXX ) : 1. XXXX XXXX XXXX mail received on XX/XX/XXXX ) ( I'm still in possession of this card ) ; 2. XXXX XXXX XXXX ( returned to Cardholder Services ) ; 3. XXXX XXXX XXXX XXXX returned to Cardholder Services ) ; and 4. XXXX XXXX XXXX returned to Cardholder Services ). 

My husband suggests the applicant potentially thinks they are able to come by our home and pick up the envelope from our mailbox. Luckily for us, our mail is delivered to a gang box and is not placed on our front porch. 

Please advise on how we can stop the credit card company from issuing cards using our address. Our contact information is as follows : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX home XXXX cell XXXX Thanks!

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 2021-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: OH

Complaint narrative:
Debt showing on my credit report and its not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX reporting to Equifax credit card account not belongs to me, this same account i was disputed and removed in 2020 and now XXXX reporting again the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I subscribe to XXXX XXXX XXXX XXXX provided by capital one as I am one of their customers. I noticed a new account was opened by capital one/ XXXX in my name in XX/XX/2020 and it was fraudulent as I never applied for this particular credit. I called capital one to notify the problem and they said they were able to close the account before any fraudulent charges were made. They said they would notify the credit bureaus and handle the issue. I saw on each credit report in XXXX that the original inquiry was still showing for this fraudulent account and lowered my credit score. I called capital one and was told I needed to dispute the inquiry with each bureau. I thought this was ridiculous since capital one allowed the fraudulent account to be opened in my name in the first place. Regardless I disputed the inquiries and XXXX removed itXXXX XXXX claims it was validated by capital one and remains, and XXXX XXXX has yet to get back to me. I called capital one to complain as I felt they should correct this on their own as it was their negligence that lead to the fraudulent account being opened in the first place. They then tell me I need to send a letter including my social security number, dob and all credit report inaccuracies to a P.O. Box to get this resolved. Who in their right mind would mail all their private information via us mail ( which has had major issues of late ) and risk that letter being lost or stolen and fall into another persons hands to possible steal my identity again? This is the policy for capital one? It is ridiculous and I should not have to risk further exposure in the process of fixing their original mistake and lack of internal controls. 

XXXX  had no issues with removing the inquiry yet XXXX has given me every problem in the world even filing the dispute and then coming back with a completely inaccurate validation of this fraudulent inquiry. 

Capital one has a responsibility to fix this problem as it originated from their operation, not from me. 

Please advise as I am fed up dealing with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, my CD matured, and because of the low interest rate it was suggested that I deposit the monies in my money market savings account which I did. On that date I was informed the interest rate was XXXX XXXX, that it could change any day. On XX/XX/XXXX, I had another CD mature. In visiting the bank, I learned the money market account new rate was XXXX XXXX and that the rate had changed on XX/XX/XXXX, the day before I was quoted the higher rate. XXXX XXXX, the branch XXXX, was present at the XXXX conversation and was unable to explain why their screen showed an incorrect rate. She agreed to submit an inquiry to the Corporate office. On XX/XX/XXXX, XXXX XXXX called and stated she was told that the money market rate of XXXX XXXX  was correct, nothing can be done and I would be receiving a phone call by XX/XX/XXXX from the Corporate office. On XX/XX/XXXX at XXXX, I received a phone call from XXXX XXXX of the executive office. I asked XXXX XXXX if he had spoken with the branch XXXX. He said no. I asked if the system at the branch was on real time. I needed to ask this question several different ways to finally get an answer of yes. Then if so, how could two people at the branch see a different rate than what was actually in effect? I was not pleased with my conversation in that XXXX XXXX did not seem to understand my complaint and all he wanted to do was confirm that the money market rate was the correct rate being offered by Santander Bank. The entire transaction lacked transparency and credibility.

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 2021-02-28 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: SC

Complaint narrative:
On XX/XX/2020 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. 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. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I successfully disputed an item from XXXX XXXX on my XXXX report. I sent the 609 letter to Equifax on XX/XX/2020, The item was removed from my XXXX report. I was upset to see the item from XXXX XXXX back on my XXXX my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Persolve, LLC - Legal - Series 2
State: UT

Complaint narrative:
PERSOLVE LEGAL XXXX, pulled my credit report without my permission. I do not know who they are and only knew of this breach because I have credit report warnings due to being involved with two different credit breaches. They have not contacted me by any means, so I do not even know what they are even after. Is it proper for them to pull a credit report before even making a demand?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX  XXXX TN ) Acct # XXXX ... XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Acct # XXXX .... XXXX  Acct # XXXX that is listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 credit bureaus. How can one account be opened on different days? I want these alleged accounts in question to be removed from my credit report immediately.

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 2021-02-28 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX TN ) Acct # XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Acct # XXXX .... XXXX  Acct # XXXX that is listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 credit bureaus. How can one account be opened on different days? I want these alleged accounts in question to be removed from my credit report immediately.

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