vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-10-01 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: IN

Complaint narrative:
I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: WA

Complaint narrative:
Spoke to Experian representative on XXXX XXXX who told me I couldn't dispute identify theft because I didn't upload any information. I finally obtained the police report and uploaded it and called them back again. The new agent was able to help even without the uploaded information and didn't even show that I talked to someone in the dispute department. Furthermore the online dispute webpage was inaccessible, making it impossible to perform a dispute online.

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 2021-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
All of my XXXX XXXX Loans were discharged by the Department of Education under the closed school discharge. This should leave only two loans for XXXX  XXXX XXXX ( loans 12 and 13 ). 

As of last week ( XX/XX/XXXX ), all of the loans were correctly discharged as they should have been except two of them - Loans 4 and 7. Loan 7 had a balance of {$.00} which I paid to get it gone and out of the way since it was only XXXX XXXX. However, Loan number 4 has been sitting with a balance of {$89.00}. I have contacted Navient multiple times since then to get it corrected. I have even offered to provide the print out from the Dept of Ed Student Financial Aid site showing that they have all been fully discharged. Navient continuously passes the buck back to the Dept of Ed and refuses to fully discharge this loan and make it a XXXX balance like they are supposed to. 

Today ( XX/XX/XXXX ) I called because I had a {$150.00} credit on another loan ( loan 9 ). I had called yesterday ( XX/XX/XXXX ) and asked that they apply it to loan number 13. When I woke up this morning, I had discovered that they applied {$140.00} to loan 13 and {$8.00} to loan 4- the loan that should be fully discharged!!!! And regardless, the money should have been put exactly where I asked it to be. They were able to get that part fixed fairly easily which was good.

So then I once again brought up the fact that loan number 4 was supposed to have been 100 % fully discharged under the closed school discharge that I received and ALL XXXX XXXX loans should be {$0.00}. I mentioned that I have proof ( which I did attach to this CFPB complaint ) from the Federal Student Aid site that ALL XXXX XXXX loans are discharged and show a {$0.00} amount. They once again tried to pass the buck to Dept of Ed and say they are the only ones who can fix it. I asked for a supervisor and was magically disconnected. 

I took a break from it because I was super mad then and called the Dept of Ed and they said the exact same thing- ALL XXXX XXXX LOANS SHOULD BE FULLY DISCHARGED and that Navient is incorrectly passing the buck. They recommended I file a CFPB complaint to get Navient to do the correct thing so I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citicards CBNA. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$6300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XX/XX/2021 I applied with my current mortgage Wells Fargo. After many months and going back and forth I was given a closing date of XXXX XXXX. The date passed to no avail. I then received a letter indicating I didnt close because I withdrew my application. Upon discussion with the bank they admitted that was not true. They then told me my coop did not have enough insurance. Another lie. Finally they sent we a letter indicating my coop rejected my refinance. I contacted my board and in writing that too was a falsehood. I suspect Wells Fargo didnt want to reduce my payments as a way to have me continue paying the higher rate and amount.

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 2021-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MS

Complaint narrative:
My name is XXXX XXXX, I opened a square Account for my business to process payment but all of a sudden they do not allow me to withdraw my {$50.00} of sales which I made. 

I would like the government to reach out to square on my behalf to allow them to withdraw my funds or to let them tell me when I'll get access to money The email address associated with my square account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: IN

Complaint narrative:
I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: NC

Complaint narrative:
I was sent a dispute letter stating that 2 collections on XX/XX/2021 were deleted from my account due to dispute investigation. Called XX/XX/2021 because the dispute still shows active spoke with equifax they stated they deleted it and the company put it back on XX/XX/2021. This collection was never removed from my account but I have the letter from equifax that states its to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: MO

Complaint narrative:
We have received repeated calls from XXXX, formerly the XXXX pages over the past couple years. They claimed we owed them money that we do not in fact owe. Recently they have submitted our information to some other company that refuses to tell us the name. 
We get calls from XXXX daily asking to speak with the business owner. When you tell them the business owner is not available, they ask to leave a message. 
On XX/XX/21 I took a call from XXXX and she told me that the call back number was XXXX. They will never tell me the name of their business. 
When they have spoken to the owner, they claim to be attempting to collect the debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: IL

Complaint narrative:
XXXX XXXX XXXX  XX/XX/ {$540.00}, XXXX XXXXl XXXX XXXX {$18000.00}, XXXX  XXXX XXXX XXXX {$320.00}, U.S. Bankruptcy XXXX XXXX.The accounts Listed in this statement are accounts I just recently reviewed on my credit report. I have contacted the creditors for each account and I have filed an ftc report and nothing have been removed. I have never used or applied for any of these accounts. I am askking if these items please be removed 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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have information on my credit from someone who lives in Texas who is using my identity. This abuse of my identity have me afraid. I am victim of identity theft. I want l security freeze immediately on all 3 bureaus. Please stop the abuse from happening to me immediately. They listed a job a job that is associated with me on my credit report that I know nothing about. Person is also trying to buy a car in my name, please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX Account with BMO Harris Bank was fraudulently opened online w/o my consent XXXX Upon discovery of the fraud, I filed with Identitytheft.gov and placed a Security freeze with XXXX. I contacted the credit bureaus. I provided to BMO Harris a Notice to Furnisher, as well as a copy of the FTC Identity Theft Report informing them of the fraud. They were also notified by phone and promised to close the account. 

XXXX After receiving a statement reflecting the account as still open, I wrote again asking them to close it and provide me written proof of doing so. I called, as well, and was promised this would be done. 

XXXX After continuing to receive monthly statements reflecting the account as still open, I wrote again asking them to close it and provide me written proof of doing so. I called, as well, and was promised this would be done. 

XXXX I received another statement showing the account is still open and active.

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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The XXXX XXXX XXXX is reporting two late payments back in XXXX and XXXX of 2020 which is incorrect. I received an alert from a credit monitoring service that a late payment was reported. I immediately contacted customer service and inquired why they reported a late payment and I was told they had placed an annual fee on my account and I had not paid it. I explained to the representative that account was closed and that I did not even have an active credit card on that account because it was closed months before. The annual fee and late fees were removed from the account and the account was closed again. I asked if they would correct the late reporting on my credit report and she said she couldn't because I was late. I asked how I could be late for something I did not owe and that was removed from my account bringing my account to a XXXX  balance. I reported to the credit bureau and I believe I was retaliated against because they changed the late reporting from thirty days to sixty days. The facts are this account was with XXXX XXXX  and I closed it The XXXX  XXXX XXXX  placed a annual fee plus late fees when it went unpaid. I contacted them they removed all the fees but refused to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I sent a letter requesting that the debt be verified in XX/XX/2021. Never responded to my request and placed the account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I received a letter today from XXXX XXXX , XXXX threatening me if I do not notify them in writing within 30 days to dispute this debit they will assume the debit is valid and they will proceed with a judgement against me and take legal action against me for the disputed amount owed. I do not recognize this debit or is Beyond the Statue of Limitations. I have sent them a formal letter of dispute & to cease all contact with me in regards too. This disputed debit does not appear on any of my credit reports as being in a collection status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase has charged me for late fees and interest three times throughout the past year when I've been a day late on my credit card payment even though their own guidelines and the law state that there is a 25 day grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have contacted Police enforcement, submitted FTC Identity theft affadavitm, called XXXX multiple times, and the furnishers to explain about FRAUDULENT CREDIT INQUIRIES. I have submitted multiple CFPB reports about this problem. My personal information was used without my permission to applications. I demanded these fraudulent inquiries be deleted. I was told by XXXX rep that companies have to respond back to their request in 30 days for inquiries to be deleted but IT HAS BEEN OVER 30 DAYS YET FRAUDULENT INQURIES STILL ON MY XXXX CREDIT REPORT!!! 

1.XXXX  XX/XX/2021 2. Ally financial XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 4. XXXX/ XXXX XXXX XXXX XX/XX/2021 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 explanation
Consumer complaint received 2021-10-01 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: CORELOGIC INC
State: TX

Complaint narrative:
I have contacted Police enforcement, submitted FTC Identity theft affadavitm, called XXXX multiple times, and the furnishers to explain about FRAUDULENT CREDIT INQUIRIES. I have submitted multiple CFPB reports about this problem. My personal information was used without my permission to applications. I demanded these fraudulent inquiries be deleted. I was told by XXXX rep that companies have to respond back to their request in 30 days for inquiries to be deleted but IT HAS BEEN OVER 30 DAYS YET FRAUDULENT INQURIES STILL ON MY XXXX CREDIT REPORT!!! 

1.CREDCO XX/XX/2021 2. XXXX XXXX XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 4. XXXX/ XXXX XXXX XXXX XX/XX/2021 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 explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The complaint is two fold. First, the bank has been charging me a monthly fee since XXXX of this year for an account that was supposed to be free. Second, I withdrew any remaining funds in XXXX and asked them to close the account. After which, they did not close the account and instead charged another fee. Now they stating that I need to fund the account to cover the fee or they will send it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: MD

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Heartland Resolution Group, LLC
State: TX

Complaint narrative:
I received a letter from Heartland Resolution Group on XX/XX/XXXX intending to collect a debt that was already charged of as the original date of service was XX/XX/XXXX. I then started to receive calls from XXXX that lead to them. I called back and spoke to XXXX and I told her that I would be filling a complaint. I specifically asked not to contact me any longer. I just had to block the number as they called again after asking them not to do it. It seems like they're buying old charged off accounts that surpass the seven year mark and trying to submit it as new. The information on this letter is the account number they assigned of XXXX with an original account of XXXX. The original creditor is TX XXXX XXXX and date of service was XX/XX/XXXX. The letter stated that they purchased the account from XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: NY

Complaint narrative:
XX/XX/21 I was notified by my bank the WorldRemit located in XXXX CO. debited my credit card for {$300.00} and attempted another charge for {$100.00}. The second transaction was flagged as fraudulent by my financial institution after the first one went through. A search of the business revealed multiple complaints from numerous people complaining of the same attempts on their cards. I believe this is wire fraud, correct??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA

Complaint narrative:
I keep getting calls from multiple phone numbers and multiple people from different locations saying they are a debt collector from Wakefield and Associates. I have NO outstanding debts. I recently got my credit report and there is nothing negative on it either. My phone is set up to report potential spam, and each time they call it says Blocked - Potential Spam. I have listened to the messages to see who called then I block the number. I do not feel safe and its stressful. 
I believe it is a scam. 
XXXX XXXX are two of the numbers most recently

Company response to consumer: Closed with explanation