vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian, this is my last warning about the XXXX account on my credit report. I have recently submitted a dispute concerning that account because they have reported a miss payment for XX/XX/XXXX with a past due amount of {$230.00}. It was the only miss payment on my payment history for the past 5 years that I have had that car loan. I have uploaded the payment receipt as proof of payment thinking that it will be resolved but it became worse than what it was. They added 3 more miss payments to my account. I dont know who does that, who is in charge of updating customers report from XXXX XXXX This person probably had a bad day and put his/her frustration on other people but they are messing with the wrong person. Until 2 weeks ago this account was current for the past 5 years with zero ( 0 ) miss payment and suddenly it was late in XXXX!?? They even said that it was late in XX/XX/XXXXXXXX while I have paid and have my receipt. Experian DO NOT PLAY THEIR GAME! They are probably upset because I wrote a review on XXXX XXXX XXXX about them. I repeat DO NOT PLAY THEIR GAME! I hope this letter goes to a human being and not to a computer. At this point I dont even wan na talk to XXXX anymore since I filed a lawsuit in federal court against them yesterday. They wan na play? okay we will see if they will love it. I have proof of everything I say. I repeat, Experian update my credit report as it was before that mess otherwise I will also file a lawsuit against you for voluntarily keeping inaccurate information on my credit report. I have already uploaded the proof on my previous dispute. Consider this letter as my last and final warning. As you can see I am not scared of taking that XXXX to court. My lawyer is confident about the case and I am too, I have proof of everything I say. Again update my credit history how it was before XX/XX/XXXX and correct the XXXX miss payment otherwise I will also file a lawsuit against you. I am not scared of anything or anybody on this earth and the universe except GOD and he is by my side!

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 2023-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi bank credit card company agrees they owe me a refund of {$5.00}. However, while they insist upon sending me a check in the mail... they never do. Numerous emails, phone, and online chats indicate they will send the money, but it never arrives. Companies such as this one prefer not to apply refunds to the balance I owe them. Apparently, their policy dictates that refunds need to be sent by post. What is holding the process?

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 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The outrages overdraft fees, and the constant charges that they do is unbelievable. I have so many overdraft charges on my account. Its just to much. And just plain fraudulant. I

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 2023-05-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you to request the removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease to be reported on my consumer report, as their presence violates the FDCPA and FCRA. I insist on their immediate deletion and removal from my consumer report, as their continued presence constitutes a violation of multiple laws. I kindly request that you promptly take action to remove these accounts and associated information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report

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 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have sent in a police report and and and my company prove that date i have work but they not response the metter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I transferred funds into CashApp and a significant portion suddenly disappeared without explanation. I contacted their online support services. This is the explanation they offered We can confirm that an impacted transaction due to the error occurring between XX/XX/2023 and XX/XX/2023 has been resolved and your account has been adjusted to reflect the correct balance. The funds deducted from your account were the funds you previously used to make a payment with the merchant, but which were then incorrectly returned to your account due to a technical error. 

I have repeatedly asked them to provide me with the information they used to make this decision. I have followed all their procedures and they wont send me information so I can verify the accounting. I believe they are wrong, but I cant do anything since theyve refused to send me proof of this error that caused them to take my money. They tell you to do x, y and z to fold a dispute and when you do it they completely ignore the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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:
I am contacting you to request the removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease to be reported on my consumer report, as their presence violates the FDCPA and FCRA. I insist on their immediate deletion and removal from my consumer report, as their continued presence constitutes a violation of multiple laws. I kindly request that you promptly take action to remove these accounts and associated information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 1. This account resulted due to identity theft. XXXX  XXXX Account Number : XXXX Please remove this account from my credit report immediately!

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 2023-05-27 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: NJ

Complaint narrative:
There are 6 accounts showing open on my credit TransUnion credit report that should be reporting as closed with XXXX balance.

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 2023-05-27 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: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
This company has committed fraud and required payments as well as fraudulently attempted to accept them when federal law states and is PROOF that ALL debt is due to the United States which wouldnt require me by law to owe ANY DEBT to TRANSWORLD SYSTEMS according to 18 USC 8 which states The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. which is furthermore PROOF and FACTS that my complaint against this company CANT BE REBUTTED and is also PROOF this company is or has been committing a crime since the first payment was made or is currently being demanded to pay a debt claimed to be owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: MA

Complaint narrative:
I am writing to file a formal complaint and dispute regarding the inaccurate information reported on my credit report by TransUnion. On XX/XX/XXXX, I contacted TransUnion to address the following issue, but I have not received a response to date. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). The details of the inaccuracy and the required correction are as follows : Account : XXXX   ( Date Opened : XX/XX/XXXX, Balance : {$90.00} ) The information presented for the account XXXX   is inaccurate. I am aware that the original creditor for this account is a distinct company, not the one indicated by TransUnion. Furthermore, the reported balance of {$90.00} is higher than the amount I believe I owe. I dispute the accuracy of this account and request verification of the Date Opened and Date of First Delinquency associated with it.

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 2023-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Albert Corporation
State: VA

Complaint narrative:
The Albert savings app refuses to allow me to withdraw the small amount of money in my savings because the account linked is closed. The account associated with Albert was closed earlier this year. I linked a new XXXX account AND signed up for an Albert Mastercard in an attempt to withdraw my funds. The agent still stated I need to provide bank statements and reconnect a bank account that no longer exists to withdraw from savings. Albert needs to allow for me to withdraw these funds and have them routed to another account.

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 2023-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Hello, On XX/XX/XXXX, I was under the impression I was talking to a coworker on XXXX, someone who I trust. She had bought concert tickets ( something I knew she had ) and was attempting to sell them. I was interested and messaged her. 

I found out that she was hacked after a phone call with my actual coworker, and that I had sent my money to the wrong person. Because I authorized the payment, XXXX and my bank PNC will refuse to assist me. I dont know the person I sent my money to and consider it an unauthorized transaction. Is there any way to receive my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2023 while at work, I got a few alert emails indicating charges over {$100.00} were being processed. After looking on my account, almost {$1000.00} was spent at two different cities in the area while I was sitting at my desk. I immediately called Huntington, and the agent closed my debit card, said they would send a new one in 3-5 business days. Upon leaving work, I found out that someone got into my car the previous evening and took my card. On XX/XX/2023, the money that was spent by someone else, was credited back into my account. I waited on the debit card to come in the mail, and it never did, so I called Huntington again on XX/XX/XXXX. They told me the address I gave them wasnt good and the card was sent back and destroyed. The address I have is my permanent address, it NEVER came. They have since sent another which I am still waiting on. Today, XX/XX/2023 I had a notification from Huntington that there was a message on the account. Once I opened that, it had a notice of insufficient funds on it showing that the original reversal back into my account on XX/XX/XXXX was taken out of my account. I never received a letter that the investigation was complete and theyd be taking that money back. Charges include : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX Totaling XXXX in charges I didnt use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2023 Navy Federal Credit Union extended credit to me for the purchase of a promissory note I issued. I tendered payment and a receipt to the financial institution for the full amount. The payment was accepted both online and by their loan payment center. 
The original contract along with an allonge and power of attorney for the principal was accepted by NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: LEXISNEXIS
State: MT

Complaint narrative:
I have contacted LexisNexis by dispute letter and vocally by telephone multiple times. I had very sensitive information, from a law firm, arrive by USPS opened. I filed a report with the Sheriff 's office and the OIG USPS. I will enclose a copy of the Sheriff 's Report. 
I will attach 3 letters to LexisNexis requesting my ID information to be Updated to only XXXX XXXX XXXX. 
LexisNexis has, at best, reduced the name count to only 3 name records. What I have found is that LexisNexis will keep adding names to the ID section of my consumer credit report. The latest report I have from LexisNexis - Consumer number XXXX, Case number XXXX, Dated XX/XX/XXXX. XXXX, Pages 4-8 of 92 shows 5 pages for a total of 23 Name Records. I will attach a copy of this report. Some of the Information goes back XXXX to XXXX XXXX XXXX. Some of the information is doubled up, has address I have never lived at. By law FCRA section 611 Information is to be reported accurately and completely or be deleted. I have lived at my current address for over 30 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My regular scheduled mortgage payment is {$1400.00}. The mortgage servicer 's policy is that you can make extra payments by increasing the amount of money deducted from my checking account each month. I pay {$3500.00} every month with the intent of paying my interest, escrow, and the balance going toward principal. In XXXX, my payment was broken down as : interest - {$140.00}, escrow- {$830.00}, principal {$2500.00}. That's proper and how it should work. 
In the month of XXXX, someone at Newrez deleted the extra principal payment and instead applied it as a double monthly payment. The payment breakdown for XXXX ended up as interest - {$270.00}, escrow- {$1600.00}, principal {$1500.00}. 
For some reason after this unexplained " transaction '', someone went into my account on XX/XX/XXXX and deleted {$1700.00} from my principal balance which increased my principal from {$59000.00} up to {$61000.00}. 
Last year for the entire year, the escrow on my mortgage account paid out a total of {$7300.00} - that's taxes, home owner insurance... everything. After 4 months so far this year, Newrez has applied {$4100.00} towards escrow instead of properly applying it towards the principal. At this rate, they're going to put {$12000.00} into my escrow account to pay {$7300.00} in taxes and insurance instead of applying it towards the principal. 
I've sent two " secure messages '' on their website and on XX/XX/XXXX I called and talked to a customer service rep for over 9 minutes who assured me that she was going to fix these problems. I haven't received any response to the secure messages. 
All of the payments from XXXX have posted and cleared the account, but the issues from XXXX are still hanging over the account and have been unresolved. I'm simply trying to pay off my mortgage early since I retire in less than 6 years, and don't feel like my issues with the mortgage servicer should be ignored. Any suggestions on how or what I can do to get this resolved?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation