vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
On XX/XX/2021, I reserved a hotel stay at the XXXX XXXX located at XXXX XXXX XXXX, XXXX MD XXXX for 30 nights from XX/XX/2021 to XX/XX/2021 totaling {$2000.00} ; The reservation was made through my membership account on the XXXX XXXX app. It stated that a credit card was required for the reservation in which I provided my M & T debit-credit card ending in XXXX, and the reservation was processed with a reservation # XXXX, and with check-in starting at XXXXXXXX XXXX 

However when I attempted to check-in on XX/XX/2021, the front desk at the XXXX hotel informed me that my debit-credit card was declining the {$600.00} charge-hold that they were attempting to process. I attempted to call M & T bank customer service over the phone however I kept getting a prompt system stating that they were experiencing high call volume therefore would not be able to connect me so I would have to call back another time. 

I attempted to call M & T bank customer service the next day XX/XX/2021 and was finally able to speak with an M & T bank representative who informed after looking into the issue and confirming that my card had rejected my hotel reservation, informed that because the account was recently opened, there might have been a limit put on my debit-credit card. XXXX hotel attempted to process a {$600.00} hold ; additionally, I attempted to process a payment of {$5700.00} to XXXX XXXX on XX/XX/2021 and such was also declined. 

M & T Bank is engaging in illegal acts and subjecting me to unregulated practices and procedures.

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 2021-05-17 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:
This is my 4th time submitting a dispute request via mail and via CFPB and nothing is being done here ... Please send me my disputes results via email immediately. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

XXXX XXXX- XXXX Not my account XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX Not my account XXXX XXXX XXXX  XXXX Not my account Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX XXXX XX/XX/1988

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 2021-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
Invalid debt from XXXX being collected by AR Resources and reporting to XXXX and XXXX credit bureaus. I filed Chapter XXXX Bankruptcy which was subsequently discharged in XXXX, file attached. All unsnecured debt acquired prior was discharged. Debt being collected predates the bankruptcy filing. I communicated with XXXX regarding this error via their secure portal in XXXX and XXXX. Large portion of this debt was acruded prior to filing date and therefore was discharged. I provided XXXX and AR Resources bankruptcy discharge documentation, explained in writing, neither has responded after 90 days and I am in turn prevented from taking action towards purchasing a home. I spoke to AR Resources on the phone re : bankruptcy discharge, no progress made. Debt reporting is not accurate. US Bankruptcy law is binding. AR Resources has not responded to four rounds of communication and needs to cease reporting to the credit bureaus immediately as their tactics are personally and financially injurious, in addition to being a HIPAA violation, which I also informed both entitites of, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi stated that there was an XXXX charge on XX/XX/XXXX for the amount of {$190.00} have tried since XX/XX/XXXX to dispute this charge with Citi Cards.. The first dispute was denied and I had to send in another dispute on XX/XX/XXXX. 
They advised that the dispute process is more of an automated system. If a person would actually have worked this, they would have seen numerous red flags.. 
I can prove that I was not located in California using XXXX or did any type of charge with XXXX. The sad part is that a number of XXXX charges came thru and citi removed those.. but didnt remove the XXXX 
Now the CITI bill has come due on XXXX XXXX When I called in to start the 2nd dispute, they advised that it would be 30 days.. spoke to a XXXX. 
Now I just called in and spoke to a XXXX. at XXXX after numerous calls and chats.. she is saying I owe and it will go against my credit if I dont pay it.. Not sure how a credit card company gets away with a charge thats in dispute.. that will go against someones credit score. They should take way that charge while in dispute.. if its truly a charge,. then put back on.. other credit card companies take the charge away until the dispute is final.

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
Consumer complaint received 2021-05-17 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I transferred money from my Wells Fargo Checking account to my landlord for a lease. I called in to make sure I was doing the online transfer correctly. The Wells Fargo employee walked me through the process and told me funds would be available the next day as long as I made it before the cut off time. The end bank was XXXX XXXX  and XXXX XXXX XXXX was the intermediate bank. I entered my landlords information into the online system and it showed up as XXXXXXXX XXXX 

The funds never made it to his bank. I called Wells Fargo 3 days later they said it was completed and the money was at XXXX XXXX. I tried to call XXXX XXXX but they would not give me any information because I do not have an account with them. They told me Wells Fargo would have to call them. Wells fargo opened the case 3 days after the transfer. The case was opened XX/XX/2021. They said it would take up to 10 days and someone would call me to let me know what was going on. Nobody called. From that date until today XX/XX/2021 Wells Fargo has not called. During that time I called multiple times to get an update. Each time I called I was transferred at least 2 times. The employees told me they can not directly contact the department handling the case. 

Most of the employees have been nice and understand the bad situation the bank has put me in. Its just the processes they are using wont allow them to do anything. I have spoke with 2 employees that had an attitude from the beginning and 1 even hung up on 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 2021-05-17 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: Certified Credit Associates, Inc.
State: GA

Complaint narrative:
The inquiries on my report I do not recognize. I have contacted the companies and they have told me to reach out to bureaus directly because they could not locate the identifiers I provided. 

Companies are : Certified Credit, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-05-17 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX/Transunion/XXXX are NOT RESPONDING TO DISPUTE REQUESTS!!!!! 

To Whom It May Concern : You are reporting and publishing inaccurate and incomplete information in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity. The following information you are reporting is inaccurate and incomplete. 


COLLECTION XXXX Account in Litigation-NOT MY ACCOUNT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX no contract- delete immediately XXXX XXXX XXXX XXXX - NOT MY ACCOUNT- DELETE IMMEDIATELY I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradelines item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 
Your prompt attention to this important! 

XXXX XXXX XXXX LOWER XXXX XXXX, TX 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 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I attempted to obtain a recent credit report from XXXX and the information provided is erroneous and misleading. I have responded to XXXX  about the situation ; XXXX  has done NOTHING to resolve the errors and misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: LoanCare, LLC
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-05-17 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: NJ

Complaint narrative:
On XX/XX/21 I mailed Experian my FTC report along with a dispute letter. It has been more than 30 days since my dispute.

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 2021-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MO

Complaint narrative:
Hello, I know that FedLoan servicing is tasked with an immense project for maintaining records for borrowers attempting to receive Public Service Loan Forgiveness, but the customer service I have received has been deplorable. I have kept records of every interaction with their representatives for the past three years because I can not trust anything that occurs with this provider. 

Today, for example, I was on the phone for 46 minutes attempting to resolve an issue with my employment certification, 30 minutes of which ( at least ) were on hold. Did I mention that I was attempting to call about a form I submitted two months ago, which is not showing on my account? The turn-around time for this form should be 7-10 days. Basically, any transaction I try to complete with FedLoan takes a quarter year to complete. Yes, you read that right : a quarter year. Three months. 

Anyway, after being told that everything looked fine on their end ( but their website was acting " glitchy '' ), I was told to wait a few days and check my employment certification again. I then received two call-backs that I missed. When attempting to call back, I was sent to three different customer service reps in rapid succession with no explanation. In the end, I found someone willing to speak to me, and they told me they'd submit some kind of request and to check again in 7-10 days. I was never able to find the original customer service representative that called me back.

7-10 days. Again. 

I don't know what to do at this point. It's been three years of headaches dealing with FedLoan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: N26 Inc.
State: KY

Complaint narrative:
Hello I tried to log in in my checking account from N26 Bank yesterday and it didnt let me. I called a costumer rep and the notified me that my checking account was closed without any information and that I would get contacted by N26 due to this matter. I also notified them that a direct deposit would come in in my account between today and Wednesday in the amount of XXXX XXXX I contacted the sender but unfortunately it was allready sent to my closed bank account. I wrote them several emails regarding this matter but didnt get any response. Prior to closing my account I never was notified by either email or phone. I hope this issue gets resolved ASAP and my direct deposit bounced back to the issuer. XXXX ID : XXXX Use this transaction ID to check against your bank statement. 

Processed Date : Mon XX/XX/2021 XXXX XXXX ( XXXX  XXXX XXXX XXXX This payment refers to the following redemption request : Reference number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: MS

Complaint narrative:
TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX never late XXXX XXXX not mine XXXX XXXX US BANKRUPTCY COURT XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized

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 2021-05-17 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: TX

Complaint narrative:
Experian/XXXX/XXXX are NOT RESPONDING TO DISPUTE REQUESTS!!!!! 

To Whom It May Concern : You are reporting and publishing inaccurate and incomplete information in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity. The following information you are reporting is inaccurate and incomplete. 


COLLECTION XXXX Account in Litigation-NOT MY ACCOUNT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX no contract- delete immediately XXXX XXXX XXXX XXXX - NOT MY ACCOUNT- DELETE IMMEDIATELY I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradelines item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 
Your prompt attention to this important! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
I saw 3 " Hard Inquiries '' listed on my credit reports that I do not have any record or recollection of authorizing. They are all dated in XX/XX/2019. I would like them removed and the fraud, if found, investigated.

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