vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed 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 2020-10-15 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed 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 2020-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wire transfer was sent on XX/XX/2019 online to a Title Company, funds were block. After several calls and month of investigations Wells Fargo Bank ask me to go to XXXX to get a licensed. Licensed was obtained XX/XX/XXXX and till today funds are missing. I have called wells Fargo several times and there is not concrete response, investigations have been closed without a resolution and no ones there knows why. Resolution, funds have not been giving back to me ; but, they never left Wells Fargo Bank.

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 2020-10-15 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: OpenRoad Lending
State: CA

Complaint narrative:
There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA

Complaint narrative:
There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed 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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Several months ago I went online to transunion credit bureau to freeze my credit it was not frozen. 
I called 2 months ago requested they freeze my credit they said they would. 
I called today transunion union and my credit is still unfrozen.

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 2020-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
XXXX of XXXX I spoke with MyFedLoans regarding loan payments from : XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX According to MyFedLoans, these loan payments were NOT marked as qualified towards the 120 payments towards the PSLF program even though I made student loan payments during those months.

I was told to call back to follow up on this request.

I have been calling at least once every month and STILL have been given the same response : that these payments are " under review '' and to call back to check on the status.

It is completely unacceptable for FedLoan Servicing to continue to have this response when it has been close to a year now ( I write  this in XX/XX/XXXX ) and I STILL get the same response. 

I greatly appreciate all your help and time of this review as I want to bring attention to this matter that FedLoan Servicing needs to be held accountable AND responsible for getting back to loan payers in a timely manner.

Again, thank you for your help and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Credit Collection Service is reporting an account on my credit reports. I do not have and have not ever had any form of communication with this company. I did not pay them. They are reporting inaccurate information on my report that is damaging my credit profile. If I am denied credit, I will be forced to seek legal action. The account was not correctly verified per the FCRA. This account must be removed from my credit profile immediately. Their listing makes it seem like I had a collection account that I paid which is misleading and incorrect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has frozen two of our business accounts ( for 2 separate businesses ) with no explanation. They froze the first about 2 weeks ago. We logged in to the account to pay bills and found our account negative {$280000.00}. We spent hours on the phone with about 8 departments, no one could figure out what happened. They finally transferred him to the " executive department ". They didn't know what happened but said they'd look into it. We called them day, they kept saying they didn't have any information. Then, this past Friday  XX/XX/XXXX, they did the exact same thing to our other business account. Again the exec department said they didn't have any information. Our attorney called them and was told that Chase is within their rights to do an investigation and we would just have to wait. These are business accounts. We can't pay our employees. We have operating costs we can't pay. They've put us out of business! We are
going to have to file for bankruptcy because of yhe position they've put us in.

This has all happened with no notice. We have no idea what's going on. Shouldn't a bank have to give you some sort of notification that your funds are being held? And for what period of time? And if there's an " investigation '', why haven't they asked us for documentation that could resolve the issue? They've just left us hanging with no end in sight.

( I have no documents to upload because they haven't sent us anthing )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit dialed my number this many times on each date listed. 

XXXX 9 times XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX 13 times XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I KNOW this is clearly harassment and have asked all correspondence be sent by mail and I will make payment by check monthly, since neither of my agreements for automatic withdrawals have been completed by the company and I approved for pay. This is their problem and they should not harass clients given my willingness to work with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2020. I made an international {$14000.00} wire transfer from JPMorgan Chase. XXXX XXXX XXXX XXXX. XXXX NY XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX, Off XXXX XXXX, XXXX XXXX XXXX. XXXX. 
XX/XX/XXXX, I was called to come and furnish the bank with more information about my transaction which I did and the transaction went through. 
My payee in XXXX called to acknowledge the receipt of the money. 
Monday, XX/XX/XXXX, my payee in XXXX called that the transaction has been reversed. Chase bank reversed the wire transfer. I immediately called chase bank, spoke to a customer service representative, to ask why the transaction was reversed. He told me that it was a part of a security investigation. My {$50.00} transfer fee was returned to my account, with an assurance that the bank will return the {$14000.00} back to my account in 5 business days, and to date, nothing has been heard from the bank All efforts to contact chase bank in person, phone calls, and emails were  futile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.

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 2020-10-15 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:
AFT

ER REVIEWING MY CREDIT REPORT, I CAME ACROSS SOME ACCOUNTS AND INQUIRIES REPORTING ON MY CREDIT FILE WITHOUT BEING AUTHORIZED BY ME. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND I HAVE ABSOLUTELY NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. I AM ASKING THAT YOU PLEASE REMOVE AND DELETE THE ACCOUNTS AND INQUIRIES OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-10-15 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: CA

Complaint narrative:
This is my SECOND complaint against Experian. The one the stated that it wasnt me filing it, it clearly was. I believe this is a stall tactic so they dont have to do their work. I will attached my first disputes and a letter of deletion from a collector. If this is not taking care of soon I will SUE!!!!!!

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 2020-10-15 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XX/XX/2020, XXXX XXXX  a charge for {$1700.00} and {$49.00}. Notification was sent to rescind the contract on XX/XX/2020. 
The charges are still on my account. 
The representative at Barclay would not allow me to dispute these two amounts. The person would not allow me to speak with the supervisor.

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 monetary relief
Consumer complaint received 2020-10-15 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: IL

Complaint narrative:
On XX/XX/2020 I received a credit alert today. I decided to check my credit report. I noticed that XXXX XXXX XXXX has reported an account XXXX as charged off on Trans Union, XXXX, and XXXX. I have disputed this with XXXX XXXX XXXX and they advised that I have to dispute with the credit bureau. They have agreed that this is not a charged off account but an open checking account and should not be on my credit report.I have disputed this with Trans Union, XXXX, and XXXX. This account is affecting my credit score and resulting in credit issues.

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 2020-10-15 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: IL

Complaint narrative:
On XX/XX/2020 I received a credit alert today. I decided to check my credit report. I noticed that XXXX XXXX XXXX has reported an account XXXX as charged off on XXXX XXXX, Equifax, and XXXX. I have disputed this with XXXX XXXX XXXX and they advised that I have to dispute with the credit bureau. They have agreed that this is not a charged off account but an open checking account and should not be on my credit report.I have disputed this with XXXX XXXX, XXXX, and XXXX. This account is affecting my credit score and resulting in credit issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: IL

Complaint narrative:
On XX/XX/2020 I received a credit alert today. I decided to check my credit report. I noticed that XXXX XXXX XXXX has reported an account XXXX as charged off on XXXX XXXX, XXXX, and Experian. I have disputed this with XXXX XXXX XXXX and they advised that I have to dispute with the credit bureau. They have agreed that this is not a charged off account but an open checking account and should not be on my credit report.I have disputed this with XXXX XXXX, Experian, and Experian. This account is affecting my credit score and resulting in credit issues.

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 2020-10-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXXXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.

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