vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
n accordance with the fair credit reporting act XXXX XXXX account # XXXX amer XXXX account # XXXX XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A.states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with The Fair Credit Reporting Act, XXXX XXXX Co Acct # 76 and Acct # 04, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
I am receiving a debt from a previous company before me. I have no idea about this debt. I would like to please dispute and or get rid of all the debt from here if possible please and thank you. 
Let me know what you need as far as more information

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 2022-03-29 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: Early Warning Services, LLC
State: TN

Complaint narrative:
On XX/XX/2022, in an attempt to clear up the confusion with Zelle I called XXXX XXXX the day prior and ask him for help to clear up the confusion between the emails and the phone numbers within Zelle after getting more information I tried to contact Zelle on their website they only have an address and they emailed I emailed them and the email did not work so I have no recourse but to put it in the complaint about their company until I remedy the situation I have between the accounts at Zelle in between the banks in the phone numbers so I know exactly how my money is coming and going

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
My card company keeps lowering my credit limit without telling me and without cause. I have never had a late payment but theybhave lowered the balance several times to keep me maxed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I mobile deposited a check from a church for {$5700.00} citizens bank told me the check would be clear on XX/XX/XXXX when I called on XX/XX/XXXX to see if the funds were available they then told me another date XX/XX/XXXX I then called XX/XX/XXXX they did not have an exact date for me they told me to try back in a couple business days it is now XX/XX/2022 citizens still has not released a hold from my check deposit The money came out of the churches account on XX/XX/XXXX every time I call citizens Bank to see what the issue is with the check not being available they tell me they cant reach anybody at the church when I am in constant contact with the pastor who issued me the check Ive called the bank and gave them the churches number and the pastor cell phone number citizens still has not released my funds The pastor has tried to call citizens to tell them he issued me the check and the pastor can not get through to anybody at citizens It has been 30 days in the bank is still not gave me my money Please help me my cell phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
My mortgage was transferred from XXXX XXXX to Freedom Mortgage. On XXXX I received paperwork ( dated XXXX ) from XXXX about " Notice of Servicing Transfer ''. Today ( XXXX ) I contacted Freedom Mortgage to ask about what amount is due and when. I was told " whatever you paid your other morgage company ''. 

The rep gave me a loan # and stated that's what I should use for my payment. She ( Freedom Mortgage rep ) then said that my " acount has not yet been moved over '' but that I have until XXXX  XXXX to make a payment ' XXXX XXXX is 6 business days from today ( XXXX ). I then asked when would my account be moved over and she said " well our paperwork says by XX/XX/XXXX ''. I asked her if Freedom would notify me when my account IS moved over ; she said no. I told her I was not going to send money to a nonexistent account and asked if I would then be penalized for not paying on time. She said 'no '.

So I still have no idea when Freedom will officially have my account and apparently this company- Freedom Mortgage- doesn't know. 

Freedom Mortgage also says to use their automated system, which I tried to do and everytime I entered my phone #, I get the message " yourinformation is incorrect '' ; it's not. I now suspect this is because Freedom STILL doesn't actully have my account up and running.

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 2022-03-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/XXXX I called to make a payment in response to an email I got from Navient offering a dollar for dollar match on my loan. I talked to the agent on the phone and they stated if I made a payment of {$710.00} that would bring my account current. I made that payment. 

I have received multiple calls every day from their accounting department trying to collect payment and I've explained to them that I made a payment on the dollar for dollar offer. Now they are stating that only pays interest, and I have been credited {$0.00} to my account and that I still need to pay {$710.00}. They also threatened to call my mother, who is a co-signer of the loan I took out in XXXX - XXXX. 

My original loans were for a total of {$37000.00}. I have an outstanding balance of {$30000.00}. I have made a total number of payments of {$95000.00} throughout the lifetime of the loan so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: DC

Complaint narrative:
On XX/XX/XXXX I was made aware of an adverse collection on my Transunion credit report as I sought unrelated credit. The item purported to show {$2400.00} due to XXXX XXXX XXXX. 

After researching, I determined that collection originated from an apartment building in XXXX, Maryland owned by XXXX XXXX ( the Residences at XXXX XXXX XXXX ), which I had moved out of in XXXX of XXXX. I contacted the apartment building on XX/XX/XXXX to dispute the charge, as I had no record of an outstanding bill and, in fact, had a record showing fully paid at the time of moveout, except for a minor utility bill of {$45.00} that was customarily paid later ( which occurred ). The building management informed me that the property had been sold and that it had no records from that time. It then advised me to contact XXXX XXXX directly. 

Also, on XX/XX/XXXX, I contacted XXXX XXXX  to dispute the charge. I provided the statement from XX/XX/XXXX that showed full payment, except for a {$45.00} utility bill. Capital properties responded that the amount had been sent to collections and that I should pay the collection agency. It further stated that almost all of the charge was to replace carpet. 

Capital properties provided no evidence that the carpets were in fact damaged, let alone damaged because of my tenancy. That is because the carpets were in good condition when I left. In addition, I can attest that from XX/XX/XXXX to now that I am not aware of any attempts by Capital Properties ( or XXXX XXXX XXXX for that matter ) to contact me about the supposed charges and the reason for the charges. They have also made no attempt to provide any evidence of actual harm to the apartment or that connects the damage to my tenancy. In fact, I only found out about the delinquent item because of an unrelated credit pull on my records. 
Finally, on XX/XX/XXXX, I received a letter from Transunion that indicates that it completed its investigation into my dispute, and it found the credit item as accurate. It did not appear to provide any evidence to support that finding.

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 2022-03-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Some one opened this fraudulent account under my name

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 2022-03-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Comerica
State: MO

Complaint narrative:
On XX/XX/2022, I purchased an item from an ad seen on XXXX from a seller called " Onedaystuff ''. The purchase price was {$24.00}. There was no confirmation number or email. Checking the charge with my cards app, I noticed a charge in the amount of {$210.00}. I immediately attempted to contact the seller, but all links were dead and the sellers XXXX profile was gone. Typing the address into a browser returned a 404 message " not found ''. On XX/XX/2022, I contacted my card issuer " Direct Express '' and informed them of the fraud. The debit card was immediately deactivated and a new one issued to me. I initiated the dispute procedure and received the paperwork by mail a week later which I filled out and returned the next day. My bank replied by mail on XX/XX/2022 denying my claim, stating that the transaction was authorized and I should resolve the issue with the merchant directly. A merchant that is impossible to reach and has never shipped the product to date. 

I continue to see identical ads on XXXX for the product but with ever changing seller names.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-29 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: FL

Complaint narrative:
Equifax Is not helping me at all, I filed 2 complaint with you guys and one response was they couldnt verify me so I sent 2 forms of verification the very next day I got an email from u guys saying they completed their investigation, how is that even possible when they havent received my documents yet I priority mailed it and they will receive it this Friday XX/XX/XXXX, I stated multiple times the items on my credit is incorrect and inaccurate nothing seems to be working out I am an victim of identity thief,, this is hindering me from doing a lot credit wise I did all I can do I NEED HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank mistakenly mailed a {$1300.00} check to XXXX XXXX that was supposed to go to my utilities company. The check came from my personal bank account with my name and home address. It was made out to XXXX XXXX XXXX XXXX and had an account number on it that matched a XXXX store card that I had closed years ago. XXXX XXXX decided to apply that payment to my business account, where the checks are made out to XXXX XXXX Bank ( NOT Retail Services ) and has a completely different account number. I called XXXX XXXX as soon as the payment posted and requested that they send the money back to my bank account since it was obviously an error, it was made out to a different department, it had a completely different account number, and it was obviously a personal check that did not have the name of the business on it. I was told by XXXX XXXX that they would only be able to refund the money if the request came from TD Bank. I made the request through TD Bank and received a message that said " Our Bill Pay Provider has spoken with XXXX XXXX XXXX XXXX and it has been determined that in order to resolve this, they are requiring a conference call with our Bill Pay Provider and yourself.

At your earliest convenience, during a time when your biller would be open, please call our online banking department at XXXX to initiate this conference call. Our online agent will then verify you and connect you with XXXX XXXX XXXX XXXX, and then contact our Bill Pay Provider while you and your biller are both on the line. XXXX  XXXX XXXX Services will not speak to us without you on the line. 

For further information in regard to this payment, please respond to this message or contact us at the telephone number below. Please be sure to reference Bill Pay Case ID # XXXX. '' I called that number and, after more than two hours on the phone, I was told by a TD Bank representative that they can not do the conference call that they told me themselves was required and that, even though this was their error, the only way to solve the problem would be to take XXXX XXXX to small claims court. 

It has now been almost a month since {$1300.00} was removed from my account at their error and I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-29 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: FL

Complaint narrative:
A late payment reported to the reporting agency and I never pay my cards late I noticed a drop in credit score so it made me do research into whats going on I found the acc with first premier that I dont use that is not mine that I did not authorize acc number XXXX and a host of credit inquires that are not mine and I did not apply for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not use credit cards a lot nor do I check my credit report I have also made a police 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 non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple request to remove wring addresses and still have not removed the inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Integrated Mediation Solutions LLC
State: MI

Complaint narrative:
XXXX XXXX with Integrated Mediation Solutions refuses to mail me any information on the payday loan in question, as requested. She is calling my HR Department, my husband, my children, my elderly parents stating " that this call is pertaining to a claim that is prepared to be filed in XXXX XXXX and wants to speak with me before the attorney network group does proceed for judgment wage garnishment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2022 MY CAR WAS BROKEN INTO AT XXXX XXXX XXXX, THE XXXX TEXAS. CALLED THE POLICE TO MAKE A REPORT. ( XXXX XXXX CASE # XXXX XXXX XXXX XXXX XXXX. CALLED THE BANK TO CANCEL MY DEBIT CARD AND CHECKING ACCT. WEEK LATER XX/XX/2022 A BRANCH MANAGER CALLED ME LET ME KNOW SOMEONE WAS AT THE BANK WITH MY DOCUS TRYING TO WITHDRWAL XXXX SHE DENIED THE TRANSACTION BC THE LADY DID NOT MATCH MY SIGNATURE NOR SHE LOOKED LIKE ME. MINS LATER ANOTHER WELLS FARGO MANAGER CALLED ME TO APOLOGY BECAUSE SHE DID NOT PAY ATTENTION TO THE ACCT, THAT WAS ON FRAUD ALERT. THIS PERSON WAS ABLE TO WITHDRAW XXXX. FROM THE NEW CHECKING ACCT. A FRAUD COMPLAINT WAS FILE 1ST REF # XXXX THEY TOLD IT WILL TAKE ABOT 7-10 BUSINESS DAYS TO RESOVLDED MY ACCT. TODAY I CALLED TO CHECK ON THE STATUS AND WELLS FARGO TELLS ME NO COMPLAINT WAS ISSUE ON THAT XXXX OF MONEY. THAT THEY HAD TO FILE A NEW COMPLAINT FOR THAT XXXX. NEW REF # XXXX. I HAVE BEEN WITH WELLS FARGO FOR YEARS AND THIS IS NOT RIGHT. WHO IS NOT GOING TO FILE A COMPLAINT WHEN SOMEONE ELSE TAKES THEIR MONEY. I DEPEND ON THAT BECAUSE BC IM CURRENTLY XXXX XXXX XXXX. THIS HAD BEEN EMOTIONAL STRESS AND PHYSICAL. I NEED SOMEONE TO PLEASE LOOK INTO THIS ACCT OR CASE. ALSO THEY TOLD MY THAT MY NEW ACCT WAS GOING TO BE ON FREZZED MODE THAT NO AUTOMATIC MONEY WAS GOING TO BE ABLE TO COME OUT. AND THEY HAVE NOT DONE SO. NOW MY ACCT IS ON NEGATIVE BECAUSE AL MY AUTOMATIC PAYMENTS ARE BEING PULL. THIS IS SO UNPROFESSIONAL.

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 2022-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Original Creditor : Citibank NA Current Creditor : XXXX XXXXXXXX XXXX  XXXX In 2017 I was married and my then-spouse used my non-public personal information to open multiple credit cards, bank accounts, and other loans. One of these accounts was with Citibank Citi XXXX  card. I was not aware of the debt until he defaulted on the card. When it was discovered, I immediately notified Citi of the spousal identity theft. They sold the debt to XXXX XXXX which is who I am filing this complaint on. I have completed their fraud packet no less than 4 times which is identical each time. When they receive it from me along with all of my documentation, they send the debt to a new sub-contracted collection agency to attempt to collect the debt again. You can never speak to anyone directly at XXXX. They are ignoring my fraud/identity theft packet and continuing to attempt to collect a debt that is not mine. This has been going on 5 years 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 non-monetary relief
Consumer complaint received 2022-03-29 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I haven't received any investigation results.

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