vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX  they can not access my credit file. My full name XXXX XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID 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 non-monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
I have been using XXXX XXXX online for the last couple of years and never had a problem. Over a month ago I had problem with a transaction and was blocked. I asked what the reason why and they send me out a verification forms..I file it out and send all documents. They said they would take two weeks. We're going on a month now. I keep asking what the problem is I get no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation
State: GA

Complaint narrative:
This company used to constantly call me about the debt. However, they kept changing the balance, which they are still doing. Then, they called one of my family family members twice.. one time leaving a voicemail stating that they are about to sue me and wanted to know if I had a lawyer. During the phone call with my family member where they actually talked to my family family, the representative from World Finance told my family member ( cousin ) that they were about to sue me and needed me or my lawyer to call them as soon as possible. After this, I told the manager at the local office about this incident, who swore that no one in her office would have done this. However, it happened! My aunt was with my cousin when this happened and heard the phone call. I told World Finance that this violates the law and to not contact me about this or I will sue them for violating the Fair Debt Collection Practices Act. After this, I did not receive any more phone calls for months. Then all of a sudden, someone randomly called me on XX/XX/2021. So, this is the 2nd violation by this company, which I can easily sue for, which would outweigh the balance on this account anyway. They have also threatened to sue, which I will countersue at the same time for these violations and also the violations on my credit reports, which they are reporting different information with all credit bureaus and constantly change the balance by {$2.00}, {$3.00}, {$5.00}, {$11.00} up and down every two to three weeks no cause. I have all documents showing these random changes and all credit reports each month showing this 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 2021-01-22 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: CA

Complaint narrative:
Hello, I had a couple lf ulitlies bills I was not aware of due to change of address. I paid off the bills in full around XX/XX/2020. There is still a serious delinquency on my credit report. Experian has not fixed this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: WI

Complaint narrative:
On XX/XX/2021 I noticed that my account with Pnc had a XXXX balance the day before XX/XX/2021 I had XXXX $ in my account I later found out they closed my account and froze my money say it was an issues with verifying my information I had the account for a month now me nor the banker that opened my account received any notice prior saying it was something wrong with my account I went to the branch I opened the account and the banker spoke with the department it turns out it was a typo in my social he asked if he could fix the error and keep my account open they stated no so he asked if my funds could be released they also stated no I had to wait on a cashiers check which is a big inconvenience seeing nothing was fraudulent on my account and it was a bank error not mines so they punished me for it and closed my account leaving me with no access to my money and I have bills and a family to take care I asked to speak to a supervisor they said I couldnt and it wasnt nothing more that that could do for me that Pnc bank has the right to discontinue business with me even though Im not at fault now Im suffering with no money at all Ive called all the departments still no help or my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
a debt collection company by the name of portfolio recovery has XXXX listed account ( s ) from different original creditors claiming that i owe debts to these companies. the following account number ( s ) are : XXXX, and XXXX. 
i've made XXXX written requests to have portfolio recovery validate that these debts actually belong to me, once on XX/XX/XXXX and a second attempt on XX/XX/XXXX. between these dates i was sent billing ledgers stating that i owed debts but no actual proof of original contracts or any documentation with my photo identification or signature on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Somebody opened a Chime bank account with my personal information ( name, email, social ) but used a different phone number and address. I received an email from Chime that my temp card was active and physical card in the mail. I tried to contact them to tell them I never opened this account. I reported to FTC identity theft and major credit agencies. It is physically impossible to actually reach a live person at chime though they keep emailing me telling me to call the number. None of the options on their support phone line at any point in the day will actually lead to a live person. Im stuck in a feedback loop and cant close this account. No idea what is happening in the meantime whether they are using my credit, racking up charges that will ultimately go to collections or what. Not sure what else to do at this point but somebody recommended I try this site as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: LEXISNEXIS
State: OH

Complaint narrative:
I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX they can not access my credit file. My full name XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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}, {$0.00}, {$0.00}, {$35.00}, {$34.00}, {$3800.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

-- COLLECTION ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$35.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -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 2021-01-22 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: 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}, {$0.00}, {$0.00}, {$35.00}, {$34.00}, {$3800.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

-- COLLECTION ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$35.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34.00} -This is not my account. 

6. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX  they can not access my credit file. My full name XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX they can not access my credit file. My full name XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On Monday XX/XX/2021, XXXX XXXX XXXX XXXX, I approached the TD Bank branch at XXXX XXXX XXXX New York, NY. It was approximately XXXX am.There was a XXXX crew working at that corner and there was a XXXX guard inside the ATM area. I was advised to pull my face mask up.There were XXXX ATMs .One of them read, " Out of service ". I made an ATM withdrawal for XXXX dollars on the other XXXX but it did not print out a receipt.When I attempted a balance inquiry the machine kept my card.I spoke to XXXX at TD bank Customer service over the phone later that day and he advised me that TD bank could retrieve my card for me and return it to me When I spoke to XXXX, the Branch XXXX at the site of the occurrence, he would not agree to return my XXXX manifests some of the irregularities that has resulted in my not getting Employment offers, Credit Approval or Acceptable account balances through TD bank.My Account balance has not been restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: FL

Complaint narrative:
On XXXX XXXX 2021 XXXX XXXX sent a debt collections letter claiming there is a balance of {$620.00} cents from a loan they purchased from XXXX XXXX. On XX/XX/XXXX CAPIO PARTNERS reported to the XXXX Credit a bad debt of {$2200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This is a follow up to Complaint XXXX : I am trying to take out a mortgage on my house. I have a HELOC from TD that needs to be subordinated in order to close the mortgage. It had taken TD many many weeks to review the documents and to respond. It also seems like it has taken TD weeks just to retrieve documents that were faxed. This delay has caused my rate lock to expire and a need to refresh certain docs for my mortgage. TD is either non-responsive or takes weeks to respond. The subordination application was submitted on or before XXXX XXXX, XXXX. I reached out on XX/XX/XXXX for an update. I didn't receive a response until XXXX just saying things are delayed. I didn't receive a real response until XX/XX/XXXX. We have sent in all of the requested information by the end of XXXX and have not heard anything back yet. 

UPDATE : TD finally responded 2 days after I submitted the previous complaint on XXXX XXXX, XXXX. TD denied our subordination request but proposed a counteroffer ( See attached ). 

We gathered all of the additional information TD requested for their counteroffer and accepted TD 's counteroffer. ( see attached ) TD reviewed the documents we sent as requested for their counteroffer and naturally we expected that TD would now approve our subordination request. Shockingly and amazingly we just heard back from TD that after re-reviewing they apparently misunderstood the original subordination request and now are rescinding the counteroffer and denying our subordination request. This is totally incredible gross negligence by TD and awful treatment. What is even more amazing is that the real current situation is actually better than what TD had counterproposed!! It just makes no sense and TD is just incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 {$4800.00}. 
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 ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -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 2021-01-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}. 
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 ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: TX

Complaint narrative:
XXXX XXXX Balance : {$17000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : $ XXXX This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.

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