vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-07 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: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.

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 2023-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
File a dispute with trans union for two accounts that was Reporting inaccurate information on or about XX/XX/2021 received an update with an issue date XX/XX/2021 that the two accounts listed below. Were Deleted from my credit report upon checking my credit report recently trans union has Reinserted the following. Two Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX which In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
Trans union is also in receipt of this Reinsertion dispute and has file to respond.

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.

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 2023-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I received a text message from Bank of America advising me of suspicious activity on my account and asked if I wanted to authorize the charge. I responded no I did not want to authorize the charge. Bank of America at that point closed my account and issued me a new card. They did not notify me that they were closing my account and the new card is not expected until XXXX to XXXX business days. I was blindsided by the inability to use my account. I can not purchase gas, food, or anything.

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 2023-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX XXXX was offering puppies for sale on XXXX. I inquired. She requested {$100.00} be sent to hold the puppy. After doing so thru XXXX, she requested more money. I told her I'd give her the rest in cash. Once i requested the {$100.00} back, she blocked me. I contacted Chase, & they said they had no recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
Hello, I keep submitting my PSLF forms and the payments are not updated. There was carry over from XXXX XXXX  that was not ever processed. I have resubmitted and can not get ahold of a representative ( Mohela hangs up, long prerecorded messages to listen to ). 

Just a difficult company to work with, can someone help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On XX/XX/2022 I had an account balance ofXXXX cents. At XXXXXXXX XXXX  I received a XXXX  payment from another person in the amount of {$40.00}, which showed my available account balance as {$40.00}. I then used my First National Bank card at XXXX  and then received another deposit of {$65.00} from XXXX. First National Bank charged me {$110.00} ( XXXX {$37.00} ) for XXXX  fees stating I didnt have enough funds in my account for the transactions. I called the bank and spoke with XXXX a supervisor from the XXXX XXXX, she stated her manager reviewed the case and they refunded one of the {$37.00} XXXX  fees but were not able to refund the other two XXXX  fees because my account was overdrawn for a transaction done on XX/XX/XXXX at XXXX XXXX  and a {$16.00} XXXX XXXX payment that I sent XX/XX/XXXX at XXXX XXXX. The manager advised me that all XXXX transactions made before XXXX XXXX  were available immediately and could not explain why I was charged the XXXX  but would not refund either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-07 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: FL

Complaint narrative:
I am writing to request a XXXX for a charge-off that was written off and I never got a XXXX to see how much of it got written off. I understand that this charge-off has been reported to the Internal Revenue Service XXXX IRS ). I am requesting the form XXXX to be sent to me for the following accounts : XXXX 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 non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX. I got a call from a Citibank person stating that my bank acct had been hacked and was compromised and I got scammed when they access into my online banking and register for XXXX- they made 2 unauthorized transfers from my checking account - the amount of XXXX And another XXXX The bank begin an investigation and didnt applied the provisional credit or response on 5 days.

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 2023-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
on XX/XX/2022 I drove myself to the XXXX XXXX per orders from my XXXX doctor office. I had passed out at my home, after I woke up, I tried to make an appointment with my doctor 's office. and they ordered me to go to the ER, I walked into the ER and they admitted me. I spoke with the nurse and ER doctor, and he wanted me to stay, and I refused, I told him I was following the orders of my primary doctor 's office. He told me I could stay for a few hours to make sure. I was drugged and woke up, in a upstairs room where the nurses said I was staying for XXXX XXXX XXXX days. I demanded to be release, and the nurses argue with me and I demanded to speak with the head nurse, I demanded to be release, because I did NOT feel save in a hospital room, she told me I would need to speak with my assigned doctor, I walked out the next day and suddenly I started to get phone calls and letters demanding payment. My medical insurance pay for the ER visit I was never authorized for me to stay in the upstairs room. 
I am being harassed with phone calls from bill XXXX. I spoke with the hospital administrators and expressed my dissatisfaction on how I was drugged and force to stay and there was only a minor setback on my health due to stress. 
I was given a prescription for XXXX. I need these bill XXXX to stop the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I called to close my XXXX checking account at least XXXX times and it still has not closed. Every time I escalated the phone call to a supervisor I was assured it would be closed within the next 30 days. There are numerous people out there who have the same problem because XXXX will not close their accounts. We all think they are trying to pad how many people have accounts with them which is why they will not close the accounts. My account has a {$0.00} balance and there are no pending transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
I received XXXX prepaid giftcards from XXXX XXXX, with {$500.00} on each card. I have only been able to use the cards once. I can not check the gift card balance anymore on their website ( XXXX ) or via phone call. 

I have tried to use it in stores multiple times over the past XXXX  months. It has been declined every time, both in stores or via online. 

I have tried calling multiple times for customer service, and was not able to reach any available representatives. It just says that my card is invalid or card information is incorrect, despite it being the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: OK

Complaint narrative:
I am writing to you because you are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

XXXX XXXXXXXX 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 2023-01-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan These is a closed account yet it reports charge off every month since XXXX XXXX to XXXX XXXX then it stops reporting on experian. 


These account shows charge off since XXXX XXXX to XX/XX/XXXX then on XX/XX/XXXX a payment was made then a another charge off on XXXX to XX/XX/XXXX on XXXX These account shows no payment history after the charge off on XXXX XXXX. 

why are these reports all different if its been reported from the same creditor.

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 2023-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
This collection company has been served a cease and desist letter and has not complied and continues to report this on my credit report and i do not owe this debt to no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX has violated my rights. 
! 5 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 A section 2 it also a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
Good afternoon there Madam, Sir I have complained about western union XXXX XXXX when I send money to XXXX for my family western union stealing my money and give less to my family all the time and we have give us inconvenience situations and I want to complain and appreciate your help with this case and need further help thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I had online accounts setup with Equifax, XXXX, XXXX, and XXXX to login and check my credit reports which I have not done for several years. I have a freeze on all these accounts. I tried to check the status of each of the XXXX with the online usernames and passwords we had setup. Today I found out than none of the logins I had established work now. None of these companies ever notified me that my login was XXXX. If I desire to make a large purchase and need to temporarily unfreeze the my accounts, I have no way to contact these companies because my logins are shot. I can find no way to write to the companies to correct these problems that they made. The only thing they offer for help is a phone number which leads to an endless que to waste my time with each XXXX of these outfits which I refuse to accept. THEY CAUSED THIS PROBLEM, YET I'M SUPPOSED TO WASTE UNKNOWN HOURS TO GET THIS FIXED. Why are their online security setups so messed up that they can not maintain a login online? This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX has violated my rights. 
! 5 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 A section 2 it also a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: IL

Complaint narrative:
I've received a letter stating I am in debt collection from XXXX XXXX. I have never had a XXXX XXXX account in my life. This is not my debt. How do I remove this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am contacting you about the compromise of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Listed Below : 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 non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
We made a complaint in XX/XX/2022 about this company not honoring our loan modification after our mortgage was sold to them. They responded back and said they would honor it if we paid the past due amount of {$7700.00} by XX/XX/XXXX. This closed the complaint. They received over {$20000.00} on XX/XX/XXXX which brought our account current with almost {$14000.00} left over. Now they are saying because our account is current, they wont book the loan modification as they said in their written response to us and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: MN

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX has violated my rights. 
! 5 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 A section 2 it also a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request a XXXX for a charge-off that was written off and I never got a XXXX to see how much of it got written off. I understand that this charge-off has been reported to the Internal Revenue Service ( IRS ). I am requesting the form XXXX to be sent to me for the following accounts : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request a XXXX for a charge-off that was written off and I never got a XXXX to see how much of it got written off. I understand that this charge-off has been reported to the Internal Revenue Service ( IRS ). I am requesting the form XXXX to be sent to me for the following accounts : XXXX 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 2023-01-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan These is a closed account yet it reports charge off every month since XXXX XXXX to XXXX XXXX then it stops reporting on XXXX. 


These account shows charge off since XXXX XXXX to XX/XX/XXXX then on XX/XX/XXXX a payment was made then a another charge off on XXXX to XX/XX/XXXX on equifax These account shows no payment history after the charge off on XXXX XXXX. 

why are these reports all different if its been reported from the same creditor.

Company response to consumer: Closed with explanation