vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 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: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$540.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ASG Solutions LLC
State: TX

Complaint narrative:
I was called by an unknown number and they left a voicemail from a XXXX XXXX. ( Sidenote a quick XXXX search of XXXX. XXXX XXXX XXXX ' will shed some light into this matter ) The voicemail reads as follows, " Hello XXXX XXXX this is XXXX XXXX with XXXX XXXX I previously left you a message notifying you of a civil claim today is XXXX, XX/XX/XXXX. It is in your best interest for either you or your attorney to contact us no later than the close of business if you wish to put a stop order on any legal action being taken pertaining to the XXXX XXXX XXXX XXXX XXXX. The number is XXXX when calling in XXXX refer to case number XXXX you have been notified the day and good luck '' I was NEVER left a message by this man or anyone at this company. The first time I hear from them I'm being threatened to be sued? The " good luck '' part at the end is what extremely angers me. To try to intimidate me into paying today so I won't have civil suits against me. So I did a quick google search and saw a large number of people referring to this man and company by name as a debt extortion scam. I called him back and let him know that I need information on this account and to call me back ASAP. Today is not the day to call and threaten my freedom and I will do everything in my power, if this man and company is indeed a scam, to bring light to this unbelievable tactics of trying to force someone's hand to pay. Whether it is a scam or not, no consumer should have to be in fear of legal action from one phone call you can't even get a response from. Please let me know if there's anymore information I need to submit. I have the voicemail saved and would be happy to send it. Thank you very much.

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 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
While I already filed a complaint that is now closed.as Citibank has refused to take any accountability, it must be addressed and is wrong in so many ways. I have spoken with XXXX different people, received contradictory information, received horrible customer service, and now have had XXXX credit checks by Citibank and gotten nowhere. I was told that I was preapproved for a card and I wasn't, I was told that I had to have a second credit check but would be approved ( but wasn't ), then told a credit limit of {$500.00}, then told I had to activate card to ask for increase and they COULD NOT expedite. They then sent to wrong address. 

Finally their executive office calls back ( ONLY after a XXXX report filed ). I was told that I could apply for another card without a credit check ), then received a letter ( not a human being ), then was told by a different executive that they could look into this unless there was a XXXX credit check as too much time had passed ( due to their incompetence and what I believe to be intentional stall tactics ). Now I am told to wait another 2+ weeks to see what could be done. 

I believe this to be a form of entrapment. They have told me so many different things, stalled me being able to move forward, my credit rating has dropped, and I am vested with them that they are strong-arming me and preventing me from working with another lender since they have ruined by credit score, So essentially, they keep bringing me down a trap that I have to stay with them. They said I was not approved for the second card recommended by XXXXXXXX XXXX  XXXX yet told me to apply. Per attached, they said I was not approved due to too many inquiries ( XXXX OF THEM WERE THEIR OWN INQUIRIES!!! ). 

Their tactics are misleading and contradictory information either intentionally or due to a lack of training and a broken system. 

I have attached their reply letter, my credit score decrease due to Citibank and the specific pulls within a week because I trusted what they told me. 

Despite it having transpired in XX/XX/ 2015, this has obviously been an issue before : CFPB Orders Citibank to Pay {$700.00} XXXX in Consumer Relief for Illegal Credit Card Practices

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 2022-01-07 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: TX

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I enrolled on auto pay several years ago and it had been working fine until recently when I had the need to switch financial institutions. On XX/XX/2021, I informed PHH Mortgage that the auto pay needed to be changed to a new financial institution. I informed them via online through their website and also by phone, speaking with an agent. For the next two months including the present, this mortgage company has failed to make the changes and have continued to submit the auto payments to my old financial institution which has declined to make the payments and returned them. Every time they return the payments, PHH mortgage re submits them and once again I get charged fees. I have spent countless hours on the phone with them trying in vain to rectify the situation. I get put on long holds and when someone live talks to me, it is very hard to communicate due to the agent 's limited english language skills. Their website is inefficient and has likely not been updated, not allowing the consumer to conduct any business in it. I have spoken with several " agents '' who have promised me to take care of the issue but the problems still persist. My old financial institution has not been of much assistance either and has only reversed some of the fees but not all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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 — Problem with personal statement of dispute
Company: Total Card, Inc.
State: FL

Complaint narrative:
I have sent multiple emails to the CEO of this company informing them that my late payments were due to me being Furloughed from my job back in 2020 due to COVID 19. I have called and spoken with the supervisors to see what can be done. I was inquiring about getting them removed since this was out of my control. The late payments are for XXXX XXXX and XXXX of 2020. I was furloughed in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In early XX/XX/XXXX, someone compromised my debit card. Capital One immidately cancelled my card, and started the process to refund the fraudulent charges. 

It took two weeks before the card was listed as being made, which first happened on XX/XX/XXXX it was listed as arriving on the XXXX. On XX/XX/XXXX, the card was then listed as being made on XX/XX/XXXX, with an expected arrival on the XXXX. When we called them on the XXXX after seeing this update, staff said it had been mailed out on XX/XX/XXXX and " weren't sure why their system said it hadn't been printed yet '' At this point, Capital One informed me that the fraud claim had been messed up and entered twice. This would lead to an overdraft fee being placed onto my account. 

On the XXXX, still no card had arrived, despite Capital One 's insistance that it had been mailed. They offered to resend it priority ( for an additional fee ), or that I could just wait. I chose to switch banks. For the record, it is now XX/XX/XXXX, and the card never arrived, implying it was never made nor shipped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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:
Experian has marked my account XXXX XXXX for 2 late payments one in XXXX and one in XXXX. However, payments were made to the creditor as well as a financial hardship statement due to Covid-19. According to the FCRA, late payments can not be reported during a disaster in this case Covid-19. I am in the process of obtaining the XXXX loan as my business was affected by Covid-19 however the 2 inaccurate late payments reported on my consumer report has brought my credit score below the minimum score set my the XXXX. This will have a dramatic impact on my loan approval. Because the late payments on my consumer report is inaccurate unverified, I request that they be removed from my consumer 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 2022-01-07 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A verification letter was sent for a auto file that failed to verify anything. This file was deleted by Experian XXXX XXXX. Which by law it was supposed to be deleted. Today XXXX XXXX, Experian reopened the file and in less than an hour put it right back on my file without showing any proof of verification. That clearly goes against the fair credit reporting act and this item should be deleted immediately, and permanently.

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 2022-01-07 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: PA

Complaint narrative:
Previously TransUnion was using XXXX to verify bankruptcy. I have an alleged bankruptcy on my credit report, that was first reported in XXXX. Up util XXXX, TransUnion was using XXXX the verify 3rd party information. I have pulled my XXXX report and have found no bankruptcy listed. 

They have a new 3rd party system they are verifying information with HOWEVER, that is only for bankruptcy information collected from XXXX and forward. Since they first verified the information with XXXX, and now can no longer verify it they need to delete 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 2022-01-07 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-07 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: MO

Complaint narrative:
Personal statements are ineffective and ignored multiple credit card and lending companies have ripped me off try to deny me try to deny me my legal rights and protections and then refused to get their grubby paws off of my credit files for inaccurate reporting for more than 7 years straight. Then these companies resale the information to other credit reporting agencies there are 23 listed on the ftcc website and not a single one is in compliance. Furthermore all bureaus are refusing to update my information without demanding information from me I will not be volunteering information these companies have too much of it already I'm repeatedly denied credit due to this extortion based on inaccurate data and the refusal to release information. I never locked my files they must be unlocked they must be accessible and he's bureaus continue to play games for more than 3 years straight. your Ombudsman refuses to do their job.

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 2022-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I was called by an unknown number and they left a voicemail from a XXXX XXXX. ( Sidenote a quick XXXX search of XXXX. XXXX XXXX XXXX ' will shed some light into this matter ) The voicemail reads as follows, " Hello XXXX XXXX this is XXXX XXXX with XXXX XXXX I previously left you a message notifying you of a civil claim today is Friday, XX/XX/XXXX. It is in your best interest for either you or your attorney to contact us no later than the close of business if you wish to put a stop order on any legal action being taken pertaining to the Ace Cash Express XXXX XXXX. The number is XXXX when calling in XXXX refer to case number XXXX you have been notified the day and good luck '' I was NEVER left a message by this man or anyone at this company. The first time I hear from them I'm being threatened to be sued? The " good luck '' part at the end is what extremely angers me. To try to intimidate me into paying today so I won't have civil suits against me. So I did a quick google search and saw a large number of people referring to this man and company by name as a debt extortion scam. I called him back and let him know that I need information on this account and to call me back ASAP. Today is not the day to call and threaten my freedom and I will do everything in my power, if this man and company is indeed a scam, to bring light to this unbelievable tactics of trying to force someone's hand to pay. Whether it is a scam or not, no consumer should have to be in fear of legal action from one phone call you can't even get a response from. Please let me know if there's anymore information I need to submit. I have the voicemail saved and would be happy to send it. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good Morning I have been monitoring my credit recently and I have noticed two accounts reporting to all three of my credit bureaus information that is not mine. Please send this to the appropriate department and get them taken off please.

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 2022-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Date of Complaint : XX/XX/XXXX On XX/XX/XXXX I received a job offer from a person on the professional social networking site, XXXX. The position was a well-paying remote position and the email looked reputable so I decided to pursue it. The employer claimed on XX/XX/XXXX that he would need remote access to my phone and laptop to install the software I would need to do the job. I would also receive a check in the mail for XXXX XXXX XXXX XXXX XXXX dollars as upfront payment. Since I have worked from home before, this did not seem like a red flag as I've had other employers need remote access to my devices before. The job poster told me to click a link sent to my email for them to access the devices. I did and the poster downloaded software on my computer. Shortly after, I got an email from Wells Fargo claiming XXXX had been activated on my account and there was an unauthorized transfer of XXXX XXXX dollars to a name I did not recognize and I did not make. As soon as I realized that this was an unauthorized transaction, contacted Wells Fargo and put in a Fraud Claim. I received a letter on XX/XX/XXXX from the Wells Fargo Claims Assistance Center claiming that " after examination of account and transaction details, it has been determined to be authorized. '' This transaction was unauthorized and I had no part in sending any money through XXXX. Under the Electronic Funds Transfer Act, I am entitled to my money back but Wells Fargo is claiming the transaction was authorized.

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 2022-01-07 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am a victim of identity fraud. Someone opened accounts under my name without my knowledge XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX

Company response to consumer: Closed with explanation