vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 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: MD

Complaint narrative:
XXXX has my birth year as XXXX but I was born in XXXX. I have disputed this four times and it still hasn't been resolved. When I apply for credit and/or online banking, they say that they can not verify my identity. No one answers the phone when I call. They have an option to upload documents but it is inactive ( at least for me ). 

I have, also, disputed a collection ( 4 times ) on all of my credit reports. I paid it off. They said the investigation would take about 30 days but they come back after 5 days stating that the debt is accurate. The collection was removed from my reports. Then, put back. I feel like they are intentionally destroying my efforts to restore my credit. 

My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, MD XXXX Birthrate is XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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:
XXXX has my birth year as XXXX but I was born in XXXX. I have disputed this four times and it still hasn't been resolved. When I apply for credit and/or online banking, they say that they can not verify my identity. No one answers the phone when I call. They have an option to upload documents but it is inactive ( at least for me ). 

I have, also, disputed a collection ( 4 times ) on all of my credit reports. I paid it off. They said the investigation would take about 30 days but they come back after 5 days stating that the debt is accurate. The collection was removed from my reports. Then, put back. I feel like they are intentionally destroying my efforts to restore my credit. 

My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, MD XXXX Birthrate is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: Mountain Run Solutions, LLC
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: I.C. System, Inc.
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Address are wrong and dont belong too me I left some links and my id so please remove the wrong address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
My ex boyfriend and I each opened bank accounts with Ally inXX/XX/XXXX so we could transfer money to each other easier and keep track of it. He apparently used my social security number to open his as well, although I made it clear I did not want a joint account and opened my own personal account like we had discussed. I recently got an email saying the account was overdrafted which confused me because I never actually even used my own ally account since opening it. I called the bank and they said my social security number was submitted when he had opened his own personal account, which I specifically did not authorize. In order to close out the account the remaining balance must be paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This relates to JPMorgan 's Chase consumer bank. 

We have accounts at a number of banks and we make sure we cover items if we cover overdrafts. 

We would use XXXX to immediately get funds from one bank to the other.

Recently, we have been getting Chase overdraft charges for pending vender charges ( as reflected by Chase online ) that had been covered by XXXX transfers from our XXXX XXXX XXXX account. 

We moved money between these two accounts frequently so these it was a known transaction and never subject to a reversal. 

So, when I made the XXXX XXXX XXXX side of the XXXX transfer, within minutes the transaction was reflected as a reduction in funds and as completed ( that is not pending ). 

On the Chase side, the transfer was shown as clearing the amount of the overdraft ( that is my Chase checking account balance was positive ). Both the vendor charge that created the overdraft and the XXXX transfer was listed as pending. 

After midnight the vendors charges were changed from pending to posted ( the to the prior day ) while the XXXX charge remained pending. The XXXX charge was then posted the next day by Chase while XXXX  XXXX XXXX had posted the transfer the day that it was sent ( the prior day ). Since the XXXX transfer was not posted on the same day sent to Chase, this allowed Chase to charge {$100.00} in fees. 

This happened on back to back days and caused a domino effect with some automatic debits ( like a XXXX subscription ) being assessed a {$34.00} charge. 

The issue is that Chase both backdates posting of vender while future dates posting of XXXX transfers. 

In three days over the last two weeks, this methodology was used to take over {$250.00} in fees from my account, when at all times, funds were covered before the required time the evening before. 

I have no recourse to dispute and have the charges removed and they are paid for by my Social Security deposit despite my objections I think this is outrageous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I pay all my credit card bills in full each month. I do not carry a balance. I paid Capital Once on XX/XX/2021 and authorized payment for XX/XX/2021 for my bill statement balance. My checking account is with XXXX XXXX XXXX and the money cleared XXXX XXXX XXXX and Capital One is not applying my payment to my credit limit. Today is XX/XX/2021 and customer service at Capital One was not understanding to my concern. My available credit is XXXX and I was told they will not release my available credit for seven days. This has never happened before and I am truly disappointed and expect much more from a company/bank I have been doing business with for over twenty years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I have reached out to the credit bureaus and the lease company. I have asked them to show proof of being late. I have never been late. They have not provided me documents showing that I was late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: CO

Complaint narrative:
Experian keeps reporting a XXXX account as charged off and late but I was never late and I have proof that XXXX charged my bank card for the exact amount. Experian refuses to investigate or correct my report appropriately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: TX

Complaint narrative:
Dear CFPB, I am currently having a very difficult time resolving a fraudulent charge with my Citibank credit card. I have had numerous conversations, have filed a written appeal which was denied today, and am looking for your assistance in resolving the matter. 
The fraudulent charge was executed when the card was OUT of our possession. 

Here is the body of the appeal letter sent to Citibank on XX/XX/2021 : Please accept this letter as an appeal to your Denial of a Fraudulent claim filed for {$4700.00} made on XX/XX/2021 in XXXX, XXXX. The fraudulent charge shows on the statement coming from an unknown company called XXXX XXXX XXXX XXXX. 

I noticed the fraud charge that evening when checking my credit card statement and immediately called Citibank to report the incident and subsequently cancel the card. I am one of those few individuals that checks my balances everyday. My wife and I were on vacation in XXXX for several months. 

My credit card was taken from us while eating lunch with friends at a restaurant in XXXX. You will notice a restaurant charge at XXXX XXXX XXXX XXXX at the same time/date stamp which is correct. Our waiter walked away with our card and took a long time to return back with our restaurant charge which was a very unusual practice in XXXX. It would be virtually impossible for us to have been two places at once. The fraudulent charge was executed when the card was OUT of our possession. 

We have been shuttled back and forth between the dispute department and the security department, completed paperwork which was not applicable to the case, completed it, and do not have the case resolved. We have had at least a dozen conversations with representatives over the last month and feel like we are getting the run around and an unfair judgement. 

I am formally requesting a copy of the signed receipt showing we signed for it. 

Please feel free to review my credit history and my pristine payment history which shows my excellent performance. 

I sincerely request your assistance. Given the amount of this fraud charge it will be worth seeking legal assistance and filing a complaint with the Consumer Financial Protection Bureau next.

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 2021-11-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out to the credit bureaus and the lease company. I have asked them to show proof of being late. I have never been late. They have not provided me documents showing that I was late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I filed bankruptcy in XX/XX/2018 but XXXX XXXX was able to still foreclose on my home and take my property in XX/XX/2018. I dont know how they were able to bypass the bankruptcy and take the house XXXX My servicing company was Ocwen and then when it sold in XXXX XXXX XXXX bought the property on the sale date. There is 2 dates XX/XX/2018 and XX/XX/2018. Both dates are in the system. Property address is XXXX XXXX XXXX XXXX XXXX Ca XXXX. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
Mr XXXX XXXX XXXX REQUIRES AN IMMEDIATE INVESTIGATION OF FRAUDULENT ACTIVITY ON A USAA VISA CREDIT CARD ACCOUNT XXXX CREDIT REPORT IN THE NAME : XXXX XXXX XXXX ILLEGAL DATE : XX/XX/XXXX FRAUD ILLEGAL HIGH BALANCE {$350.00} FRAUD ILLTHEGAL CLOSING DATE : XX/XX/XXXX MR XXXX REQUIRES WITHOT FAIL A CRIMINAL INVESTIGATION IMMEDIATLY ON A CRIME OF STEALING MY PERSONAL INFORMATION THIS IS AN ISSUE THAT WAS FIRST REPORTED ON XX/XX/XXXX AND THE CLAIMANT DEMANDS AN FBI INVESTIGATION ON XX/XX/XXXX INVESTIGATE WITH IMPUNITY ALL CRIMINAL ACTIVITY BY CONTACTING USAA MEMBER ADVOCACY XXXX XXXX ( XXXX ) XXXX EXTENSION # XXXX IMMEDIATLY TO BEGIN A CRIMINAl INVESTIGATION IN COOPERATION WITH THE SECRET SERVICE AND FBI ( XXXX XXXX TX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
My phone number used to belong to someone else, presumably a naturalized citizen from the XXXX- a friend told me the name off the caller ID when I first got this number nearly XXXX  years ago. And I tried to track her down, think I even sent her an email, and would have called her myself if I could. Did find an address where she was at that time. 

I repeatedly receive recorded calls from what sounds like " XXXX XXXX '' or " XXXX XXXX '' or something like that. I just googled it and it is XXXX XXXX. It starts with " This is an attempt to collect a debt. '' Also, some individuals have called and I told them it is not her number. XXXX XXXX guy insisted I must know her. 

They come from lots of different phone numbers ... after all, this has been going on for XXXX years - and now I've had enough!!! 

This mornings, at XXXX am Central time, came from : XXXX XXXX XXXX MO XXXX '' on my caller ID, presumably XXXX and likely cloned. 

Please get these people to stop calling 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 2021-11-06 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: NY

Complaint narrative:
On XX/XX/XXXX I Got A Alert That - Thanks For Taking The Time To Apply For A XXXX XXXX Credit Card And I Got Surprised I Didnt Apply Any Credit Card So How Come I Am Getting eMail. I Called XXXX XXXX Application Fraud Team And Spoke To Supervisor Ms. XXXX XXXX ID XXXX Location - Florida On XX/XX/XXXX..At XXXX And She Promise Me She Is Sending eMail To All 3 Credit Agencies To Delete It From My Record But Till Date XX/XX/XXXX. It Didnt Get Deleted or Removed From My TransUnion And XXXX 

I Waited For 30 Days And Called And Speak To So Many Manager / Supervisor At XXXX XXXX Application Fraud Team They Said We Already Informed Electronically To The Credit Agencies And Sent By Mail As Your Application ID : XXXX And The Letter Sent On XX/XX/XXXX To All Credit Agencies.. They Will Do It Whenever They Want.. 

So I Am Requesting You Please Help Me To Fix This Issue Because OfXX/XX/XXXX XXXX Fraud Inquiry Is Effecting My Crediancials With Other Credit Lenders And My Life And My Family Life..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I Got A Alert That - Thanks For Taking The Time To Apply For A XXXX XXXX Credit Card And I Got Surprised I Didnt Apply Any Credit Card So How Come I Am Getting eMail. I Called XXXX XXXX Application Fraud Team And Spoke To Supervisor Ms. XXXX XXXX ID XXXX Location - Florida On XXXX..At XXXX And She Promise Me She Is Sending eMail To All 3 Credit Agencies To Delete It From My Record But Till Date XX/XX/XXXX. It Didnt Get Deleted or Removed From My XXXX And Equifax.. 

I Waited For 30 Days And Called And Speak To So Many Manager / Supervisor At XXXX XXXX Application Fraud Team They Said We Already Informed Electronically To The Credit Agencies And Sent By Mail As Your Application ID : XXXX And The Letter Sent On XX/XX/XXXX To All Credit Agencies.. They Will Do It Whenever They Want.. 

So I Am Requesting You Please Help Me To Fix This Issue Because Of XXXX XXXX Fraud Inquiry Is Effecting My Crediancials With Other Credit Lenders And My Life And My Family Life..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My husband and I applied for a business line of credit in the amount of {$55000.00} on XX/XX/XXXX. We both have personal accounts and business accounts and credit cards through Wells Fargo. My husbands credit score is over 800, mine is in the 700s. We have 100 % on time payments. Our debt to income ratio is low and we always keep our credit cards at less then 10 % usage. I had a bankruptcy that was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since that time there has been nothing negative on my credit report aside from a couple hard inquiries for auto loans, which I have then received. The bank denied us based on my bankruptcy 7.5 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that you removed and then re-inserted negative information in the file you maintain under my Social Security number. It is a F.C.R.A. violation, and i was not informed by you.Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX Reported : XX/XX/XXXX {$2200.00} XXXX XXXX Reported : XX/XX/XXXX{$1000.00} There are no contracts, no valid claim ... accounts were settled with original creditor, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation