vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: TX

Complaint narrative:
In XXXX my Wisely account was compromised. Between XX/XX/XXXX - XXXX, a large of money was withdrawn, including a payroll check transferred directly from my direct deposit. The monies were transferred and deposited into an unknown account without my knowledge or permission. Approx. {$6000.00} was withdrawn and {$210.00} was left in my account. I immediately contacted wisely. That account was closed and a new card/account was sent with {$2200.00} approx. two weeks later. The process stated early on by customer service was that a time sensitive resolution letter would be sent within 7-10 business days for my review of account status and further account decisions. No letter has been received. Yet now ( today in fact ) customer service states account shows to be resolved. When I continue to call customer service within 7-10 days about not receiving resolution letter within 7-10 days, now its an email has and will be sent. It has been escalated to our... department. We had the wrong e-mail on file. An email will be sent within XXXX hours. An e mail will be sent within XXXX hours. Hanging up with no callback ( today ), etc. and so on. Tiring and taxing. The customer service interaction is frustrating, blatant lies and regurgitated inactions at this point. The only reason I keep reaching out to them is to keep a log of my actual contact attempts to have this financial dispute properly resolved and in a reasonable and professional fashion. However, this is not the case on Wisely 's behalf. Please help. 

My question is, ( besides where is the rest of my money ). How is $ XXXX resolution for a {$6000.00} compromised account transfers? And which part was resolved? What date? The math surely doesn't add up one way or the other as to what has been resolved. 

The website on wisely states that our money is FDIC insured. Wouldn't there be proper customer communication efforts were this true? I'm amiss and lost to this company 's process and behaviors. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
I have attached two FTC reports with inquires I did not authorize

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 2022-05-24 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: FL

Complaint narrative:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have duplicate accounts and unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: MS

Complaint narrative:
According to my XXXX XXXX XXXX I owe the following : All from XXXX Account XXXX billed for {$960.00} and I owe {$730.00} Account XXXX billed for {$2200.00} and I owe {$730.00} Account XXXX billed for {$2700.00} and I owe {$810.00} Account XXXX billed for XXXX total amount owed. 

I'd like to pay the {$2700.00} by credit card today. Other charges received XXXX XXXX is still waiting on information to process. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have duplicate accounts and unauthorized inquiries.

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 2022-05-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have duplicate accounts and unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is my second time doing this complain I feel that the credit bureaus our taking advantage of me and not taking me serious when I ask them to properly investigate my accounts, these accounts are NOT accurate!!! 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions so this is IDENTITY THEFT! 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my second time doing this complain I feel that the credit bureaus our taking advantage of me and not taking me serious when I ask them to properly investigate my accounts, these accounts are NOT accurate!!! 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions so this is IDENTITY THEFT! 

ACCOUNTS XXXX XXXX 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 2022-05-24 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: FL

Complaint narrative:
I have attached and FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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:
I sent a certified letter to Equifax on XX/XX/XXXX with the tracking number " XXXX XXXX XXXX XXXX XXXX XXXX ''. It was received and signed for by Equifax on XX/XX/XXXX. I filed a complaint with the CFPB XX/XX/XXXX indicating that my dispute was not resolved. Its been well over 60 days now and Equifax is still reporting inaccurate inquiries on my consumer report! Their negligent actions are damaging my reputation and credit worthiness!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: KY

Complaint narrative:
Check number XXXX posted on XX/XX/XXXX from XXXX for XXXX. This check was written for XXXX. I called to request an item adjustment on XX/XX/XXXX which was not submitted correctly. On XX/XX/XXXX they resubmit and assured me my account would be credited! It has not! I have made multiple attempts to contact a manager, no one has called me back, everyone acts like they dont know what Im talking about when I call. I would like my XXXX back. Its been ample amount of time for this to be credited!

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 2022-05-24 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: GA

Complaint narrative:
XXXX XXXX admitted in the last complaint through the CFPB that the is not contractual obligation to pay because myself and XXXX XXXX does not have any form of a contract. Please read the respond of the attachment. 

Also, the debt was never validated. The ledger XXXX XXXX claims to show proof is false. Attached is the ledger from XXXX XXXX and an account history that shows the disbursements from my loan provider. The disbursement highlighted shows a different amount and date than the refund XXXX said were provided which is also highlighted on the ledge XXXX XXXX provided. In order to validate a debt, a contract between the parties must be signed and dated, all details must be correct, and provided through documentation. 


XXXX XXXX failed to provide any form of any contracts between myself and the company. However, XXXX has proceeded to collect on a false debt not owed to them and continues to place negative information on my credit reports for years. Therefore, I am not legally liable to pay any monies to this company. The harassment must stop

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX admitted in the last complaint through the CFPB that the is not contractual obligation to pay because myself and XXXX XXXX does not have any form of a contract. Please read the respond of the attachment. 

Also, the debt was never validated. The ledger XXXX XXXX claims to show proof is false. Attached is the ledger from XXXX XXXX and an account history that shows the disbursements from my loan provider. The disbursement highlighted shows a different amount and date than the refund XXXX said were provided which is also highlighted on the ledge XXXX XXXX provided. In order to validate a debt, a contract between the parties must be signed and dated, all details must be correct, and provided through documentation. 


XXXX XXXX failed to provide any form of any contracts between myself and the company. However, XXXX has proceeded to collect on a false debt not owed to them and continues to place negative information on my credit reports for years. Therefore, I am not legally liable to pay any monies to this company. The harassment must stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
We have been trying to remove a freeze that we did not place. We called XXXX, and they told us to fax in documents including birth certificate, drivers license. We faxed it and waited. Called back and they say it was never received. Our send sheet showed it was received on their end. Called again, but they deny ever getting it. Then they said it was in the stack but they were running behind. Nothing. We called again in XXXX and they said we had to mail the paperwork. I sent it by Priority mail and it was signed for on their end. They deny having it. It was signed for by their agent on XXXX XXXX, Called again and they deny having it. We repeatedly told them their agent signed for it on XX/XX/XXXX. Asked to talk to another agent. He said they should have it, just running way behind. Its now XXXX and they still haven't done anything, and suggest mailing again. We can not proceed with a home loan without the XXXX report. We need help dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have submitted a FTC Identity theft report to each company and collection agency due to identity theft and they still are reporting the account and calling me. I have also sent the police report and ftc report to each credit agency and they are not helping with this situation saying the collection companies have to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sentry Credit, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX have violated my rights! 
Account # XXXX in the amount of {$3600.00} & also, Account # XXXX in the amount of {$19000.00} 15 USC 1681 Section 602A States that I have a right to privacy!

15 USC 1681 Section 604A Section 2 States that a consumer reporting agency CAN NOT furnish ANY account information or personal information without the express written consent and authorization of the consumer! This company has NO such documentation from me!

15 USC 1692 Section 805A States that a debt collector may not communicate with the consumer in reference to a collection of a place known or should be known to be inconvenient to the consumer! 
15 USC 1692 Section 806 Section 5 States that causing a phone to ring or engaging any person in a telephone conversation repeatedly with the intent to annoy, abuse, or harass any person at the called number! 
This company has violated ALL of these laws and several more for an extended period of time. Please Act within the full power and authority of your office and rectify these abuses and violations once and for all!!! 
Thank You 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 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
My complaint is with USAA Banking. I needed to change my checking account statement date to either the end of the month or the beginning of the month, versus the middle of the month where it currently is at now, for accounting purposes. This doesn't seem like a tall order, nor worthy of the insane effort I've had to put forth to get to this point, but alas here we are. I made the first of several phone calls back in XXXX of XXXX. Most representatives tried to change the statement date but were unsuccessful not offering any other solution to the problem. Twice I was told it was changed but would need to wait until the next month 's billing cycle to take effect. The next month came and it did not change. Finally one representative said he'd been hearing about the problem and would submit an incident ticket number in XXXX of XXXX. I never heard back. I tried a chat and then was told on the phone that this was closed as they tried to reach out by email ( I have no email record of this reach out and I receive and download all my billing statements via email from USAA so not sure how that got missed, and no voicemails either ). I am now being told as of XX/XX/XXXX that my statement date CAN NOT be changed per a new policy. So if my issue had been addressed in a timely manner by competent representatives, this change would have been able to be made BEFORE this policy took effect. The very fact that I can not get this changed now at all is unacceptable, this should NOT be a policy, but the fact that it could have taken place 5 months ago prior to enacting the policy, is utterly infuriating. I have been with USAA banking for 19 years. I am now seriously considering leaving this bank as this is not the first problem I've had with them over the past few years. I don't know what is happening with this company but it is feeling not good.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/2022 I called Citibank to report a fraudulent charge, after which they advised that this charge was happening every month since XXXX so they recommended I cancel my debit card and get a new one. Since this was a Friday I was concerned I wouldn't have access to money the whole weekend but the representative assured me it would be " over-nighted ''. I never received it on Saturday so I called Citi on Sunday, I had to call 3 times before anyone on the other end would respond, it was just silence once I started talking. On the 4th attempt I was told the card was delivered ( lie # 2 ). I then called a 5th time and was told it takes 1-2 biz days so I was lied ( lie # 1 ) to when I was told I would have it over-nighted. On Monday, XX/XX/XXXX, I still didn't receive the card so I called and was told since I didn't receive it I would have to order another card and was told yet again, it would be over-nighted ( lie # 3 ). All this time, I have no access to money and can't do any banking online as access is restricted since I don't have a new debit card. When the 2nd card was ordered, I requested a tracking # so I don't have to keep calling Citi but I never received the tracking. I then called again this morning ( Tues ) to find out when my card would be arriving. The 1st rep left me on hold for 30 minutes so I called back again and asked for a supervisor, she said the card takes 1-2 biz days so once again, I was given misinformation on Monday by being told it would be over-nighted. Now I am demanding a tracking # and was sitting on the phone for another 30 min while the supervisor is trying to get the tracking #. So she insisted she would call me back with the info and I said, I don't trust you will but being I am at work I couldn't hold any longer. She never called me back and I still don't have a debit card or tracking number. Citibank is absolutely horrible, negligent and unprofessional giving all kinds of misinformation. I detest banking with them and I will most certainly be switching banks.

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 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: GA

Complaint narrative:
Received a toll violation bill from XXXX  XXXX XXXX and Toll for a vehicle driving in the HOV lane. The vehicle had been sold more than a month previous to the violation. Photo of the vehicle showed " temporary tags ''. I presented including a bill of sale of the vehicle for more than a month prior to the toll violation. After several months and sending documentation approximately 8 times was told the violation was resolved and that notification would be sent to their collections company, Professional Accounts management to remove the debt. On XX/XX/XXXX, received notice that the debt would be removed in 3-5 days. It has still not been removed nearly 3 months later and neither company will respond to written requests to remove the violation and debt.

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