vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NV

Complaint narrative:
I had used XXXX XXXX  to do my taxes for 2021 everything went great said do u want to revive you funds 5 days fast was like ok sure hit the botton and brought me to another menu with credit karma I have had a account with credit karma for year to keep a eye on my credit didnt think anything of it signed into fiqure it. Was a site help me build credit no it was a site to start a new account and transfer my tack check to. I then proceeded to close the account but now since my tax check was being sent there I couldnt close it.so I was going transfer it to my account added my bank to it wired a bit of money over make sure it was approved for transfers still no red flags. So my check was to be cut on the XXXX of XXXX I called them about the 5 day early thing I got the runarounds for 3 hours this is on a Sunday credit. Karma blamed XXXX XXXX blames credit karma. Now Monday I go back to the phone called credit karma said it was XXXX XXXX called XXXX XXXX and they gave me the number to the bank well now its about XXXX XXXX started at XXXX the rep asked my info gave it to them they had no recorded of me at all not my as number name address nothing at all they told me call XXXX XXXX  I did they didnt see anything between them and I at all ether now its 2 days before check was going I said forget about it Ill call credit karma again so I did asked them where my debit card and my refund they said dont know have recived it and card should be slithers soon I got a letter from XXXX said you refund got to the company they use for payment an should have my refunin 2 to 3 day called credit Karma read so waiting on the refund wondered where my cru Karma debit card was. Emailed them and in them everyday since the XXXX.I called again they said must be lost in transit order a bother 1 this is now 3 I have then yesterday I received a email by itself saying your refund is deposited so called then about the debit card advise me can use XXXX XXXX or XXXX XXXX  if you need so put it on XXXX XXXX  and go threw there is XXXX dollars iti was was trying to find my deposit they no them have denied a investigated I still have no debit card so now they Have over XXXX I told em to transfer it to my account refuser. How now I have messaged them asked for phone call told only email upper staff with now Im out XXXX dollars no debit card and no money I. The account and told to its by credit karma that was still have anything from credit karma and they are holding all the money there the can not transfer nothing transfer there and still havent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: Cobalt Mortgage
State: FL

Complaint narrative:
Companies have already reported to IRS that Taxpayer received a gain from previous debt written off. The companies such as XXXX # XXXX {$10000.00} Cobalt XXXX XXXX # XXXX {$17000.00} XXXX # XXXX {$1800.00} have been reporting unpaid balance since XXXX after Consumer notified each Company by letter of Insolvency and XXXX XXXX XXXX would be handling all payments based on Consumer hiring XXXX to handle all debts directly with Creditors. 
Customer sent letters several times to each of these Creditors explaining the circumstances and that there's no longer any valid contract and the debt amounts are not correct and some turned over to Third Party Debt Collection Agency ; even after Consumer notified each Creditor that due to enrollment into Debt Collection Program ; each decided to keep on reporting negative information and showing an unpaid balance ; even after writing the debt off and reporting it as a gain for the Consumer on his 1040! 
These Creditors were written in XXXX along with sending each Credit Bureau a letter explaining that the debts were not mine and were no longer owed, balances incorrect, sold to Third Parties Debt Collectors ; contract not valid or with current signature and date! 
The continued reporting of these so called debts must be deleted from all my Credit Reports due to the fact each Creditor wrote the debt off! Also it has been over 4 years since each Creditor was notified to remove and delete the negative statements and unpaid amounts! Since Customer did notify them in XX/XX/XXXX of being enrolled with XXXX XXXX XXXX why are these Creditors still allowed to report negative information when Creditor provided reasonable documentation and payment plan from XXXX back in XXXX? 
These Creditors must remove and delete all information regarding unpaid balance because Consumer does not owe any balance nor is making any monthly payments! 
Please delete these accounts because they serve no purpose but reporting negative information which is not accurate! 
This information regarding a list of liabilities was on application for refinance of mortgage XX/XX/XXXX with XXXX XXXX I've already sent documents in the past regarding same subject matter with negative results because the Creditors are still being allowed to report inaccurate information which must be deleted entirely from all my Credit Reports!

Company response to consumer: Untimely response
Consumer complaint received 2022-03-26 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: TX

Complaint narrative:
Hi. Please help me with these accounrts I am reporting. They have been included wrongly in my account and it has already casued me so much distress since they are hurting my credit scores. The bureaus do not want to delete them no matter how i explain this to them. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
I opened a bank account at Simmons Bank I had funds in the account, after a few weeks I swiped my card at a gas station and a few days later I saw charges that were not from me. I reported it both to the gas station along with Simmons Bank, I was given a new card and went on, I then learned that my account was hacked by someone inside my house, after learning this I reported it to Simmons Bank and was told that I would need to come to a bank center to report this, after doing that I then which noticed that I was getting charged overdraft fees along with NSF fees. I was told that I wouldn't be charged and my account information would be removed along with getting a new account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: CA

Complaint narrative:
My account has been closed by Mercury Banking for over 13 months now, and they ignored all attempts at legal communications including but not limited to demand letters and personal outreach. I spent money to get my money and they never responded or acted towards the legal outreach. Please hold them accountable to the financial institutional guidelines that they clearly don't seem to abide by. I can still log in to my closed account and see my unmovable and untouchable funds there. Any attempt at communication has been shot down and never responded to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been dealing with this issue for far too long. I have a rent debt that is still being reported on my Experian Rentbureau report that should not be there. I have already taken the steps to have this removed. I even contacted Experian rentbureau and they claimed that it would be removed. This rent debt does not belong to me and i have already proved it that I was a victim of identity theft. The debt collector has agreed to remove it from my credit reports. Experian is still reporting it. I want it removed ASAP.

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 2022-03-26 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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:
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Bought jeans at Macy 's in XX/XX/2022. 
Paid Macy 's in full in XXXX. 
Got a bill in XXXX from Macy 's indicating a late charge for missed payment. 
Gave Macy 's payment confirmation number from XXXX XXXX. 
Macy 's said " go talk to your bank '' XXXXXXXX XXXX  opened an investigation. They tell me they sent proof of payment to Macy 's. 
Called XXXX number on back of Macy 's Card - apparently goes to Citigroup. 
Emailed PDF of cancelled check to XXXX  Meanwhile, I'm getting LOTS of calls from Macy 's asking for payment. 
Followed up with XXXX number on back of card to ask the status of my proof of payment and they tell me they gave it to Macy 's. 
Called the Macy 's customer service number from their website to ask why they have not acknowledged the proof of payment that has now been provided twice. 
They're telling me they will take two billing cycles to resolve this issue. 

Which means they intend to keep harassing me for two months because they can't keep track of less than {$100.00}, even with two banks pointing the way.

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 2022-03-26 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:
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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
Consumer complaint received 2022-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
Back on XX/XX/2022 my Gemini XXXX XXXX was frozen for my protection. On Sunday XX/XX/2022 I submitted all required verification identification asked of me to unfreeze my account. I have over XXXX worth of BTC in my account and they are denying me access to it in order to even so much as withdraw it to another XXXX XXXX. They have just completed stopped responding to any type of email or ticket communication with them. They have no way of contacting them via the phone either! It is now 6 days since I uploaded what was asked of me and they have yet to even acknowledge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
USPS Tracking # XXXX received bt TransUnion on XX/XX/2022 requesting Their investigation process concerning a bankruptcy showing on my consumer report. 
No response from CRA as of today which is well past the 30 day FCRA guideline

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 2022-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I have filed this complaint 3 times and they have continually not fixed this issues correctly. The last complaint I received an a letter stating they will fix my credit and report my mortgage payments from XX/XX/2021 through XXXX XXXX.My loan modification was signed in XX/XX/2021 and my first payment was effective XX/XX/2021 and I need for them to report my payments for XX/XX/2021 and XX/XX/2021 as well. I made both of those payments and they need to reflect on my credit as paid and current. This issue is not resolved. Citizens Mortgage is a horrible company and I will never do business with them again! It shouldnt take this many times to get this corrected and they have the information in front of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
Thankfully, I read the small print first... These companies, typically found through websites like XXXX XXXX or XXXX XXXX, are taking advantage of consumers. These lenders, i.e. NetCredit, XXXX XXXX  etc., are charging up to 149 % interest or more! As if that wasn't bad enough, it targets consumers, like myself, who are struggling financially already. Many of which whom can't get a loan anywhere else due to their credit history or credit score. It's sickening and frankly, I am appalled that the government even allows this! It is disgusting. This is a serious problem that needs to be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Sequium Asset Solutions for committing identity theft. I have never given Sequium Asset Solutions any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from before they Sequium Asset Solutions committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Sequium Asset Solutions can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Sequium Asset Solutions can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Sequium Asset Solutions continues its collection efforts, I will file for litigation for actual damages caused and Sequium Asset Solutions will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Our home is scheduled for auction on the XXXX of XX/XX/XXXX This company is not helping us. We have pleaded with this company to help, but insist on making our lives incredibly stressful. 

My mother was the owner of the house until she passed in XXXX. Our loan went through so much before it got to our current mortgage holder. They do not care and just want us to go away. 

My sister and I have a right to live in the house according to CFPB rules and the Garn-St Germain Act of 1982. This act protects the heirs from Due-on Sale Clause. Meaning to be foreclosed on. 

My sister and I can afford the payments, but the company will not give us an opportunity. 
We were given a trail period in XXXX and made all six payments and nothing came of it. They took our money and still trying to foreclose on us. 

This is such a terrible company. There are rules set in place for our protection and they still won't abide. 

Why can't this company follow the rules?? How are they able to get away with this? 

My sister and I deserve an opportunity!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 with out 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 explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
To Whom It May Concern : This letter is regarding Caine & Weiner Account # : XXXX. 

I dispute the validity of this debt back on XX/XX/XXXX. There is no debt owed to XXXX, despite continuous debt service request from Caine & Weiner. 

I have attached the original order with XXXX, dated XX/XX/XXXX. The order terms were for 3 months only. 

On XX/XX/XXXX, I requested XXXX to cancel the subscription service after 3 months. XXXX XXXX of XXXX responded to me stating your request will be processed according to your subscription terms. 

I have also attached my credit card statement showing 3 months of payment to XXXX, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. XXXX proceeded to charge me for a 4th payment on XX/XX/XXXX despite XXXX XXXX of XXXX acknowledged my cancellation on XX/XX/XXXX. 

Therefore, I disputed the 4th charge ( dated XX/XX/XXXX ) with my credit card company, XXXX. XXXX has reviewed all evidence and issued me a permanent credit for this dispute. Please see dispute judgement from XXXX dated XX/XX/XXXX attached. 

I communicated the above facts along with evidence to XXXX that there's no debt owed to them on XX/XX/XXXX. And yet, Caine & Weiner sent me another correspondence to repay the " debt '' on XX/XX/XXXX. 

Please note that there's no debt owed. And this is a false claim. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation