vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 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:
XXXX  XXXX  XXXX  is XXXX  credit card which was transferred from XXXX  . This account is reporting various erroneous open dates and its reaching an account which was discharged through Chapter XXXX. Then tried to Chargeoff account which was purchase by another lender XXXX XXXX, XXXX  which dont have this 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 2021-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My XXXX credit score is being decreased when I have collections removed or paid in full. This issue is causing me financial hardship and hindering my chances of owning a home. This collection was withdrawn out of my checking account and paid in full, the creditor is still reporting that I owe it. 
XXXX  XXXX XXXX # XXXX ( PAID IN FULL ) XXXX XX/XX/21 Original creditor : CAPITAL ONE N.A. 
{$340.00} Date Description Amount Balance XX/XX/XXXX XXXX XXXX  XXXX IL Credit Card Payments Credit Card Payments - {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Called Experian spoke with XXXX in dept : XXXX  in reference to my request for proof of verification. Within my rights according to the FCRA 611 I was disputing the following on XX/XX/2021 and XX/XX/2021 XXXX  XXXX XXXX {$16000.00} XXXX/XXXX  {$500.00} XXXX/XXXX {$2500.00} XXXX {$2200.00} When I received a response that they had verified the items and would not take any further actions. I sent a request for verification letter on XX/XX/2021, and XX/XX/2021 When I ask XXXX to provide the method of verification, since it has been more than the 15 day from 1st request. XXXX stated that they ae not required to provide me with the method and that If I wanted, I could re-start the dispute process. When I told XXXX that I was looking at the FCRA 611 he began to speak XXXX and say he could not hear me. That was XXXX minutes ago. I have been on hold for an hour. XXXX has not returned to the line. 

I then called and spoke with XXXX who after I told him my complaint also put me on hold, not returning to the phone. that was 59 minutes ago. 

I have provided them with everything to support my disputes on accounts, names and address and they send the same form letter. 

I'm asking for this to be reviewed by this agency. 

Regards.

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 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am filing a credit card complaint against Citibank. 

I have been a Citibank Credit card user since I am a XXXX XXXX back in XXXX, I used its credit cards for the past 5 years and always pay my bill on time. 
However, on XX/XX/XXXX, I found all my credit cards are closed without any notification. 

I called Citibank immediately and no one can give me any reason for my account closure. Their support also can not help me to redeem my {$1900.00} cashback I earned over the years. 

Citibank did not provide any solid justifications on why they are closing my account. It made no attempt to contact me for any information, but simply decided to close my account. This practice is unusual and does not conform with industry standards and procedures carried out by all other banks. 

I want to share my experience here to alert any other consumers like me that might be tricked by Citibank. 

XXXX 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 2021-11-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX, am a consumer/natural person, I am submitting this complaint for myself, there is no third party. 
I have been disputing THE DEP OF EDU with no resolve. They did not have written consent to furnish any information on my report which is a violation. It is disheartening that negative information that a consumer has the right to dispute and have their report reflect positively is not taken seriously or given any old response too close a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Reporting information that is misleading and unverifiable. If you are going to " verify information come with proof and follow guidelines of the law. Under 15 USC 1681i ( 7 ) Method of verification I as the consumer is supposed to receive the steps they took to verify my disputes and they failed to do that.

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 2021-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I made a settlement offer that they accepted. I paid it. Two months later they are asking for more money and not giving me my title to my car back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I sent a wire transfer from my HSBC account to my XXXX XXXX XXXX XXXX account on XX/XX/XXXX, the XXXX is XXXX, XXXX XXXX checking was not able to process this wire on XX/XX/XXXX due to the wrong routing number input for some reason. Subsequently, they initiated a return/refund with XXXX XXXX. 

I'm submitted this complaint end of business day on Friday XX/XX/XXXX after back and forth with HSBC for several days, they're still not able to provide any information with regard to the dangling wire transaction ( in the amount of {$5000.00} ) and the fund has not yet been deposited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Hi, I have been trying to work out a modification with Mr. Cooper for the past few months. They have now offered me a modification ( 2nd One ) extending the loan for 15 years with a reduction in interest. Please see attached letter for the exact breakdown. If you amortize the existing loan at 2.875 % for 26 years the payment should be {$1800.00}.

I have also been approved for a Mortgage Grant of {$30000.00} thru a nonprofit organization. Mr. Cooper says I can not get the modification if I accept the Grant. 

Mr Cooper is trying to rip people off. I need to know how they came up with the amount of {$1900.00}. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX  has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$9000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Owed : {$100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX Creditor : GXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$220.00}

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 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; 1 XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
I contacted the credit card company and asked about my authorized users. I wanted to confirm who I had listed. And for some odd reason they tried to run my credit. I already have a credit card with them. I wasnt even adding a user I was simply verifying who I had listed. I contacted them immediately when I received an alert that they were running my credit. They sent me to multiple departments within their company. And I was told it would be removed within 10 days because I had not authorized them to access my credit. To this date it is still showing on my credit bureau from XX/XX/2021.

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 2021-11-13 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. On XX/XX/2021 I made a payment of {$360.00} to XXXX XXXX to settle my debt with an old XXXX account. I was informed that this account, XXXX, and all negative remarks would be deleted from all three credit reporting bureaus : Experian, XXXX, and XXXX. Eleven months later, XX/XX/2021 the XXXX account is STILL on my reports. Much to my dismay, it showed up on a Tenant Screening process when I was trying to move. : ( I have contacted the original creditor, XXXX, several times, and each time I am told that they no longer have my account documents, that all documents were transferred to the collection agency, XXXX XXXX. 
Upon reaching out to Experian, XXXX, and XXXX, I was told that " The account was transferred to another agency, '' and that I need to contact them to remove it, which I did SERVERAL TIMES -- XXXX XXXX. 

On XX/XX/2021 I received a letter from XXXX XXXX stating that the XXXX  account will be deleted from all three credit bureaus : Experian, XXXX, and Experian. Yet, here it is XX/XX/XXXX, and it is STILL on my credit reports negatively effecting my credit score, and interfering with my plans to move. 

Please help me. 

XXXX XXXX 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 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
XX/XX/XXXX I received email saying payment is due. I dont use the credit card I sign into the account and notice it has fraud transactions from XXXX so I reached to indigo and explained the situation they said they would dispute and have to investigate that it wasnt me. It continue to show Im over my limit on my credit and it impacts my credit and credit score when explaining that to them they just apologize and say they looking into it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : 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 non-monetary relief
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am filing a credit card complaint against Citibank I have been a Citi Credit card holder since I am a XXXX back in XXXX, I used citi credit cards for the past 15 years, never miss any payment. However, on XX/XX/XXXX, I found all my credit cards are closed without any notification. I called Citi support immediately for three times, get transferred from one team to another and none of them can give me any reason for my account closure. They also can not help me to redeem my {$2000.00} cashback I earned over the years Citibank did not provide any solid justifications on why they are closing my account. 
It didn't made any attempts to contact me for any information, but simply decided to close my account. This practice is unusual and does not conform with industry standards and procedures carried out by all other banks. 

I hereby share my experience here to alert any other consumers like me that might be dumped by Citibank and I regretted so much for applying my first credit card 15 years ago. 

Sincerely XXXX 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 2021-11-13 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I contacted the credit card company and asked about my authorized users. I wanted to confirm who I had listed. And for some odd reason they tried to run my credit. I already have a credit card with them. I wasnt even adding a user I was simply verifying who I had listed. I contacted them immediately when I received an alert that they were running my credit. They sent me to multiple departments within their company. And I was told it would be removed within 10 days because I had not authorized them to access my credit. To this date it is still showing on my credit bureau from XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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:
XXXX is reporting derogatory on XX/XX/2020 with payment status of collection Chargeoff when account was settled with chapter XXXX bankruptcy. If account had been charged off I would have received a 1099 form.

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 2021-11-13 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: SC

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter was sent to EQUIFAX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : 1. XX/XX/XXXX Inquiry Date XX/XX/2020 ; 2. XX/XX/XXXX Inquiry Date XX/XX/2020 ; 3. XXXX XXXX XXXX  Inquiry Date XX/XX/2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Account was discharged through Chapter XXXX XX/XX/XXXX but still reporting XX/XX/XXXX, XX/XX/XXXX which is reaging account over a year and should be paid current status and not derogatory. I have repeatedly tried to fix this error with all 3 bureaus and the TD Bank Target with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
On XX/XX/29 I received a text message from Wells Fargo fraud Dept supposedly. Saying Free Msg-Wells Fargo Bank Fraud Alert-Did You Attempt To Do A XXXX Transfer For The Amount Of {$1100.00} Reply YES or NO Or 1 To Decline Fraud Alerts. I replied No. and immediately started to receive a phone call from Wells Fargo. After answering, they said they were so and so from Wells Fargo fraud Dept and there was some suspicious activity on my account. They wanted to verify some charges. They named off a couple of XXXX charges and then the XXXX transfer of {$1100.00}. The XXXX charges were fine but the XXXX charge was not. I dont even know what XXXX is. He started to tell me that he was going to send me verification codes to cancel my debit card, remove phone numbers and email addresses from my account that were added that morning, and also the person added to the account trying to receive the wire transfer. I was on the phone with this guy for about an hour. After the last code I gave him, the phone disconnected. I then waited about 15 seconds and the logged into my mobile app and thats where I verified that {$8500.00} had been wired out of one of my savings accounts via XXXX to some XXXX XXXX at a XXXX XXXX XXXX XXXX. I immediately called Wells Fargo fraud Dept. Was on hold for about 30-45 minutes before I was able to get to someone. They opened a case and told me they would have 10 days to investigate the fraud claim. They told me that while I was on the phone with this supposed Wells Fargo fraud Dept employee, he had someone else on the other line feeding Wells Fargo the verification codes I was giving him to authorize this wire transfer via XXXX. I did have a missed toll free call while I was on the phone with the scammer. About an hour after I got off the phone, a voicemail came theu stating that it was XXXX from Wells Fargo trying to verify a wire transfer I was trying to make. I just got a letter in the mail from Wells Fargo stating that they will not refund my money because I or someone with my username and password authorized the wire transfer.

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