vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The citizens account listed on my credit profile is a violation of my consumers rights. The account has conflicting date of last activity and date of last payment. This account is false and inaccurate. Please remove immediately. I have provided supporting documenting showing the inaccuracies of this account. Please remove immediately! I AM NOT A CREDIT REPAIR COMPANY.

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 2021-08-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are multiple inquiries on my report I do not recognize

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 2021-08-21 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: WA

Complaint narrative:
On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with XXXX XXXX  and/or XXXX XXXX, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description. 

As of today, XX/XX/XXXX ( 20-days later ), I have not received the information I have requested and Experian has misqualified my 15-day request as a 30-day dispute, added additional days, failed to document the last date of verification ( from previous investigations ), and continuously failed to report accurate and complete information in the matter of these 2-items ( mentioned above ). 

1. ) Account # XXXX with XXXX XXXX  and/or XXXX XXXX : I have personally engaged the US Bankruptcy Court for the XXXX XXXX of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties. 

2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to XXXX XXXX to confirm the original contract a. ) can not be located b. ) XXXX XXXX no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).

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 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent out a letter in regards of multiple inaccurate and unknown listings on my credit report. To date, it has been over 60 days and I have not received a reply or any acknowledgment that any action has been taken. It has been over 30 days and based on Section 611 ( a ) failure to investigate these items give a reason to remove these items from my credit report immediately. I demand the items be removed immediately or I will be forced to go about filing a litigation due to the stress you have caused me. My personal information is at high risk and could in the wrong hands being being that it was impacted from the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with Ally Financial and/or Ally Bank, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description. 

As of today, XX/XX/XXXX ( 20-days later ), I have not received the information I have requested and Experian has misqualified my 15-day request as a 30-day dispute, added additional days, failed to document the last date of verification ( from previous investigations ), and continuously failed to report accurate and complete information in the matter of these 2-items ( mentioned above ). 

1. ) Account # XXXX with Ally Financial and/or Ally Bank : I have personally engaged the US Bankruptcy Court for the Western District of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties. 

2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to Ally Financial to confirm the original contract a. ) can not be located b. ) Ally Financial no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).

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 2021-08-21 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: LA

Complaint narrative:
Experian is reporting inaccurate and errors on my credit report. The incorrect information is with the creditor XXXX XXXX. Experian have the estimated account removal date as XX/XX/2021. This account is way past the statue of limitations and should be removed for my credit report immediately. XXXX and XXXX does not have this account on my credit report and when I disputed it previously with those two credit bureaus it was removed for inaccurate 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 non-monetary relief
Consumer complaint received 2021-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX I received a coupon from Chase Bank through my account that stated if I was to open any account over {$200000.00} i would receive a bonus of {$2000.00}. I went to the branch and asked the assistant VP, XXXX XXXX, he then confirmed that the bonus was correct and stated that he would assist me in receivingmy {$2000.00} bonus. We then set up an appointment with the senior VP XXXX, and which he also assured me that I would receive my money with the help from them. I then proceeded to transfer {$210000.00} from XXXX XXXX and {$8000.00} from XXXX. I was told that I had to keep the money in that account for 3 months in order to receive the bonus. After the 3 months I called the branch to see the status of the bonus, in which they told me to givethem an additional 15 days. After the 15 days i called stating I should have received the money now in which he responded that I should have opened up a checkings account. However, during th process they assisted me and assured me that a XXXX was eligible to receive the bonus. I then told them that I already had a checkings account and they informed me that they would investigate this again. In a week he got back to me and said the amount to qualify for the bonus {$250000.00} instead of the previously stated {$200000.00}. I then told them that I would be filing a complaint. After calling Chase directly the assured me that I was correct and was eligible for the bonus with my XXXX account. When they opened back up they saw that my account had a requirment of {$250000.00} that was set by the branch. They then told me that they couldn't assist me any further and i had to deal with the branch. I feel violated, made a fool and completely taken advantage of. Why would I switch from a more established company such as XXXX to switch to Chase, in which I've had my money in for over 15 years. Can you please assist me in receiving my bonus or direct me to where i can go to continue my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with Ally Financial and/or Ally Bank, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description. 

As of today, XX/XX/XXXX ( 20-days later ), XXXX has failed to acknowledge my request, send appropriate notification, provide the information I am entitled to, and has continuously furnished inaccurate and incomplete information to my credit report in the matter of these 2-items ( mentioned above ). 

1. ) Account # XXXX with Ally Financial and/or Ally Bank : I have personally engaged the US Bankruptcy Court for the Western District of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties. 

2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to Ally Financial to confirm the original contract a. ) can not be located b. ) Ally Financial no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).

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 2021-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are multiple inquiries on my report I do not recognize

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 2021-08-21 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: NJ

Complaint narrative:
There are multiple inquiries on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CO

Complaint narrative:
They are difficult to get a hold of the right person and understanding what I'm asking help with so it frustrating with online or over chat to communicate why so many fees and restrictions to add fund to just one account instead of having the amounts of money secure with just one account. Back pay and XXXX XXXX XXXX XXXX and XXXX settlements.

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 2021-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
I had made a transaction on XXXX XX/XX/2021 of {$2900.00} to XXXX for emergency use for my parents during these testing periods of covid via xoom.com. 

But the money is still not received as of now. Xoom said that the transaction was made on XXXX XXXX. I have send them the bank statement in timely manner. But even then they have been delaying the payment for a long time now. 

Earlier this week, My Bank manager had contact yes bank ( the supporting bank ) and send me the proof that payment failed. 

Even then xoom.com is saying that they will take their time and will not considered the email with legal bank email address and thumbnail. And we take their time to talk with yes bank. 

If I call them, they say that a supervisor will contact me back and it does not happen. Also they promise that they will send the email regarding information in the call which also does not happen. 

I have email and call them over 15+ times. But everytime they say it is been investigated giving excuse like the time zone of XXXX is difficult for their employees to contact the bank. 

I even talked with my XXXX Bank manager where the money is suppose to be sent and she also said that no one have inquired about my account. 

Please help me out in this matter. 

I will be grateful to you Thanks,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-21 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: TX

Complaint narrative:
ILLEGAL REPORTING. 

XXXX Report XXXX XXXX  XXXX Collection {$2300.00} XXXX Report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Collection {$2300.00} Transunion Report : XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Collection {$2300.00} I initially disputed the debt and requested validation of a debt becuase I know that the debt should not be on credit report, yet it keeps being reported. Despite sending them multiple letters, plus proof from the court that this is not a valid debt they are reporting, theyc ontinue to report it and refuse to pull this account off my credit report. 

I am now escalating this complaint higher because they are continuing to allow illegal reporting of a debt that the courts have determined is not valid. 

I am not responsible for the account/collection that is showing up on my credit report. I have never done business with this company. They lied and said I had. Then they sued me and didn't show up to court. I showed up. The judge ruled in my favor because of this. 

I have repeatedly asked them to delete this account immediately, as keeping this there violates my rights and allows this company to post and claim I owe them money when I do not. This is a problem because the credit bureaus are assisting them with violating the law by not removing this faulty debt that does not belong to me.

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 2021-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I opened a checking account with Huntington National Bank online on XXXX XXXX with an opening deposit of {$9000.00}. 

Upon the promise of an incentive from the bank, I attempted an ACH transfer to them for an additional amount of money to them a week later, but for some reason, they thought the funds transfer TO THEM was fraudulent. This caused them to lock the account and block access to the account when I attempted to log in online. 

To date, the bank has not communicated the reason the account was locked via any means - neither e-mail, postal mail, nor phone call. Keep in mind not even paper statements were mailed. The only way I found out was after a lengthy one hour phone call and verification process in XXXX. I attempted to get them to unlock the account twice more after the initial phone call, but they were unreasonable in wanting new verification of my identity every time I called in, and rejected me verifying the account even though I answered all of their questions properly. 

Therefore, on XX/XX/XXXX, I requested the bank to close the account after another 45 minutes hold on the phone. Nothing happened. On XX/XX/XXXX, I called in and I spoke to XXXX in the electronic loss prevention department at XXXX, and he said he would close the account and mail a cashier 's check for the balance in full to the address on file. Many weeks passed after that, and still no check, and no communication at all. 

I made my final call to XXXX in the electronic loss prevention department on Friday, XX/XX/2021 ; she confirmed an internal note on the account in XXXX to close it and mail proceeds, and gave an excuse that another department was " still processing it. '' She was told a complaint to your organization, the CFPB will be filed if no check received in one week after that call. 

Therefore, I have exhausted every reasonable request to get my money back this bank effectively held hostage and earned interest on, while I wasted perhaps a total of 8 hours on the phone and in tasks just to try to access my money. 

Their communication was terrible, and their attitude was uncaring and illogical. 

Please force them to send me certified funds immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation