vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 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: MA

Complaint narrative:
XXXX  AND XXXX XXXX FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. XXXX XXXX IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND XXXX  IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE XXXX XXXX ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND XXXX IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. 

The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. 

ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM 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 2020-07-06 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: MoneyLion Inc.
State: MA

Complaint narrative:
XXXX  AND MONEY LION FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. MONEY LION IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND XXXX IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE MONEY LION ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND XXXX IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. 

The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. 

ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. This is a medical dispute to which they maybe in violation of HIPPA laws to which I do not see a signed HIPPA form. 

*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally *Signed HIPPA form

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: CAVALRY INVESTMENTS, LLC
State: ND

Complaint narrative:
A one-time settlement payment was made on XX/XX/2020. I placed a call to the company on XX/XX/2020, the representative confirmed that my account was settled and that the balance owed was {$0.00}. I filed a dispute with XXXX  on XXXX XXXX so that the information would be updated ASAP. XXXX  had found that all the current information of the debt being owed and account status as open was correct, even though I had confirmed with the collector that the account was settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received my direct deposit to my bmo account and could never log into my bmo account. I called the branch and they told me my account was under investigation. I asked for dates to check back and was told no timeframe. I reached out to the bank again a week lsyer abd still received no answers and I was transferred to a line that hung up on me. After numerous tries of reaching out for communication Ive finally given up. I havent been contacted by this agency and they still are holding my funds from my unemployment. Ive been told I was gon na receive help. I was told I would be able to go to a branch to get my funds out. I was given the direct number to the security and fraud deidrtment to speak with a XXXX. But Ive called and left numerous voicemail fir consecutive days ( 2 ) and its XXXX I still cant receive my unemployment funds as this has been a tough time already. Im asking this bank be prosecuted to the fullest extent because this isnt the first time their keeping my funds from me and I would like all the intrest that theyve gained from holding my money illegally and to have them sanctioned and all consequences imposed directly to their organizations as a whole. And I would like to b compensated for my emotional stress, my incinviences, and for my overall unsatisfactions with this company. Please.

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 2020-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hi I accepted the offer with the citi XXXX XXXX and was charged a {$550.00} annual fee. That fee covered admirals club along with other benefits from XXXX. All of those benefits stopped or were significantly reduced. I asked for a portion of the fee to be credited and citi said they could only do this if I renewed. But the harm has already been done. They refused to issue a credit. Please help.

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 2020-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
Payments made on the card and are deducted from my bank account and show as received on the credit card. The available credit does not reflect the payment for as long as 14 days. That means they are in possession of the funds for their own use and are not available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I'm disputing these three accounts. One for {$260.00}, {$40.00} and {$40.00}. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. These are medical and they have not sent me qnything. They are in violation of Hippa laws. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally *Signed copy of HIPPA form They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I purchased credit monitoring services from Experian and they were " supposed '' to monitor my credit. On the day I lapsed service they unlocked my credit file and began allowing errors to post on my file intentionally and thereby affecting my score. The errors did not match my file. I received 3 emails stating my score had increased. I received 3 emails congratulating me for paying off student loans at the same time I received emails that my score had increased. 24 hours after I received these emails in XXXX I received a notice that my score decreased by 28 points for no reason. The alert was under all the improvement alerts and was out of place. I renewed my service to relock my file but they intentionally decreased my score in order to get me to apply for a " credit boost '' by revealing my bank account information and renewing my monitoring service. They scammed my profile and lowered my score for money and potential bank information. They tried to manipulate as a consumer and refused to fix the score. They even went as far as to remove the alerts once they figured out that I was going to tell the government.

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 2020-07-06 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: VA

Complaint narrative:
I've been trying to resolve this issue since last year in XXXX. I reached back out to Equifax today XXXX and was hunged up on. I disputed fraudulent inquires and incorrect information regarding a account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: PA

Complaint narrative:
I have disputed this account multiple times requesting documentation each time. So far all I've received is a 50 % settlement offer for an account that still remains unverified. Deville has called me during a pandemic. They have threatened to sue me. They have refused validation. They were raided by the FBI. I will not deal with a company that doesn't play by the rules. They have violated the Fair Debt Collection Practices act and The Fair Credit Reporting Act multiple times! PLEASE HELP ME, I '' M A DISTRESSED CONSUMER!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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:
I am reporting fraudulent information and accounts my credit. 

The first is XXXX XXXX XXXX Account : XXXX Amount : {$4600.00} Numerous Times Ive contacted them telling them I did Not consent to opening an account with XXXX. Nor have I been Im school for over 7 years. This is not my account and someone used my information and photo to enroll me in account. This is fraud and needs to be off of my account. 

The second is XXXX XXXX. 
Account : XXXX Amount : {$500.00} This account was opened without my consent using my social and address. My phone number is XXXX NOT XXXX. This is not my account and neeeds to be removed. 

The Third Account is XXXX Account : XXXX Amount : {$1800.00} This however is my account, but I have Tried contacting them on removing this off of my account in consideration of hard times due to COVID and to pay off a settled balance. They have yet to respond so this needs to be removed. 


I have 2 fraudulent hard inquiries on my credit that need to be removed : XXXX XXXX XXXX XXXX XXXX  Out of all the times these are hard times due to COVID and I have No time for fraud or fake accounts posting on my credit. Remove them off.

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 2020-07-06 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:
I am reporting fraudulent information and accounts my credit. 

The first is XXXX XXXX XXXX Account : XXXX Amount : {$4600.00} Numerous Times Ive contacted them telling them I did Not consent to opening an account with XXXX. Nor have I been Im school for over 7 years. This is not my account and someone used my information and photo to enroll me in account. This is fraud and needs to be off of my account. 

The second is XXXX XXXX. 
Account : XXXX Amount : {$500.00} This account was opened without my consent using my social and address. My phone number is XXXX NOT XXXX. This is not my account and neeeds to be removed. 

The Third Account is XXXX Account : XXXX Amount : {$1800.00} This however is my account, but I have Tried contacting them on removing this off of my account in consideration of hard times due to COVID and to pay off a settled balance. They have yet to respond so this needs to be removed. 


I have 2 fraudulent hard inquiries on my credit that need to be removed : XXXX XXXX XXXX XXXX XXXX  Out of all the times these are hard times due to COVID and I have No time for fraud or fake accounts posting on my credit. Remove them off.

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 2020-07-06 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: FL

Complaint narrative:
I am reporting fraudulent information and accounts my credit. 

The first is XXXX XXXX XXXX Account : XXXX Amount : {$4600.00} Numerous Times Ive contacted them telling them I did Not consent to opening an account with XXXX. Nor have I been Im school for over 7 years. This is not my account and someone used my information and photo to enroll me in account. This is fraud and needs to be off of my account. 

The second is XXXX XXXX. 
Account : XXXX Amount : {$500.00} This account was opened without my consent using my social and address. My phone number is XXXX NOT XXXX. This is not my account and neeeds to be removed. 

The Third Account is XXXX Account : XXXX Amount : {$1800.00} This however is my account, but I have Tried contacting them on removing this off of my account in consideration of hard times due to COVID and to pay off a settled balance. They have yet to respond so this needs to be removed. 


I have 2 fraudulent hard inquiries on my credit that need to be removed : XXXX XXXX XXXX XXXX XXXX  Out of all the times these are hard times due to COVID and I have No time for fraud or fake accounts posting on my credit. Remove them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My ssn # on this credit report shows the last 4 # incorrect. Please update this info to show correct.

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 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase bank closed my account without any notice. They refuse to tell me why they closed my account. They would not give me any money on Friday, I asked for {$100.00} and I have about XXXX  in my account, they would not give me any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: NY

Complaint narrative:
I have sent a letter on XX/XX/XXXX to dispute inaccurate information on my credit report and it has been past 30 days and I have yet to receive a response. I have also sent an additional demand letter on XX/XX/XXXX requesting they follow up and still have not received any feedback and to the issues, I am having. I am a victim of identity theft and, someone has been utilizing my name, which prompted me to dispute the items on my report in the letter.

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 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Climb Credit Inc.
State: KY

Complaint narrative:
Need to link my bank account with a student loan company and it tells me that XXXX wont allow me to link to third party services. This is stopping the application of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: MA

Complaint narrative:
EQUIFAX AND XXXX XXXX FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. XXXX XXXX  IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND EXUIFAx IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE XXXXXXXX XXXX ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND exquifax IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE ACOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. PLEASE REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've open a Chase Southwest Airlines Card in XX/XX/2020. I've been using the card with zero issues and have paid on the card monthly in multiple payments over my minnuim payment each and every month. On Friday XX/XX/XXXX I attpempted to add my card to XXXX XXXX to make purchase at XXXX XXXX for my daughters graduation gift in the amount of {$1500.00} and the charge was declined and all these fraud hold have been placed on my account. 

I called Chase and was given the run around and was told I had to call on Monday XX/XX/2020 to resolve a fraud hold. I attempted to call and was given the true run around and talked to very rudely by chase representatives. This is insane that a person can be treated so horribly and talked to rudely given I'm a customer with my credit card account in great standing. 

I'm livid that as a result Chase put my card under a 10 day fraud review which is totally unwarranted and huge inconvenience for me and my family. We had to go the entire Holiday weekend without access to my card which was big inconvenience. Chase has discriminated me and my family for making a legitimate purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: National Consumer Telecom & Utilities Exchange, Inc.
State: FL

Complaint narrative:
I just tried to contact NCTUE and they gave me the runaround when I was only trying to Correct an email they potentially have on file. They, I believe have a spam/ closed box on record. This entity is just as difficult to deal with when trying to get any information. They do not have accurate data and therefore, I can not be verified. My address has been corrected but I still can't be verified. I 100 % believe, they have Erroneous data that is Not mine on record. I must utilize CFPB due to not being able to provide documents via mail or fax.I have already verified my identity with PII and all NCTUE needs to do is review my other complaints for the documentation.

Company response to consumer: Closed with explanation