vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-02 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: FL

Complaint narrative:
On XX/XX/XXXX, XXXX I sent a " Request for Investigation '' form to Transunion to have 2 companies removed from my report. The first was XXXX XXXX whom was the subject of a lawsuit in which the were found at fault. 
The second was a collection company who had bought a debt from a company I had never had any dealing or knowledge of. 
Transunion did not do any investigation into either account and just sent me a reply on XX/XX/2021 that both accounts were verified and updated. So both accounts are still on my 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 explanation
Consumer complaint received 2021-10-02 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: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I sent a letter to this company about missed payments during covid and they sent me back an inaccurate letter. I also disputed it on XX/XX/2021. Then I sent out a response certified mail and had it notarized Monday XX/XX/2021. I also included an invoice with all the violations that this company committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: TX

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all three Credit bureaus and they have Ignored my verified clams and are unlawfully and illegally reporting fraudulent accounts and information on my credit profile. 

Names Fraudulently XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Addresses Fraudulently listed XXXX XXXX XXXX  XXXX  XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXX DEPT OF ED/XXXX  - XXXX - {$7400.00} DEPT OF ED/XXXX  - XXXX - {$4800.00} XXXX  XXXX - {$850.00} US DEP ED - XXXX - {$5500.00} US DEP ED - XXXX - {$7000.00} US DEP ED - XXXX - {$970.00} US DEP ED - XXXX - {$640.00} US DEP ED XXXX XXXX - {$1500.00} XXXX XXXX  XXXX  XXXX  XXXX XXXX - {$600.00} ( Original Creditor : XXXX  XXXX  ) - XXXX - {$6300.00} XXXX XXXX - XXXX - {$410.00} XXXX XXXX  XXXX - XXXX - {$700.00} XXXX XXXX - XXXX - {$3700.00} XXXX  XXXX XXXX XXXX {$8700.00} unauthorized Inqiures XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: OH

Complaint narrative:
Key Bank charged me two {$25.00} maintenance service charge fees ( XX/XX/XXXX and XX/XX/XXXX ). I contacted them via their website chat feature and XXXX advised the fees were valid based on terms of the bank account. I asked specifically what requirement I was not meeting to avoid these fees, and she couldn't answer my question. She said I should have been getting charged these fees since XXXX, but yet fees started end of XXXX. I then asked that in order to avoid the fees I need to know what I should do, to which her response was to change the terms of my account by contacting my local branch. She waived one of the {$25.00} fees, but said she could not waive the second one ( I even asked for a supervisor and asked if I should file a dispute ). She said no and to contact the local branch or wellness financial department for further assistance. If I was supposed to be charged fees since XXXX and had not, why all of a sudden now? Again, she couldn't answer why I was getting charged fees but just to change the terms of my account. My ask is to remove the other {$25.00} and let me know specifically how to avoid fees in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX  XXXX XXXX closed my account without notice & sent me a cashiers check with the remaining balance of {$12000.00}. I was told I would receive my funds within 5-7 business days. After waiting for 2 weeks I went into a branch to speak with a manager about the whereabouts of my check. I was told to call in two days later and they would have the status of the cashiers check. I called in on XX/XX/XXXX and I was told that the check was cashed fraudulently XX/XX/XXXX at a Capital One bank in XXXX Virginia. I live in New York. 
**The problem is that I was in a car accident and those funds were from my car insurance company to fix the damages to my car. The damages were over {$13000.00}. 
** Meanwhile the collision shop is waiting for {$13000.00} payment for the repairs they have performed on my car for 3 months now. 
** The urgency of this matter is that the collision shop has now put a lien on my car & it will soon go up for auction. Which then will result in a repossession on my credit. I am a single mother of XXXX and I work for myself. My car is my livelihood for me to conduct my business. 
I called multiple times & I am being informed by XXXX  that Capital One has not responded to my claim for my funds to be given back to me that was stolen. 
Can someone please look into this matter before I lose my car. This is very unfair to me that my check was able to be cashed at Capital One Bank. I was not present & Im sure this person who stole my money did not show proper identification to cash my check in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
This company put a false inaccurate account on my consumer report and then when I submitted a complaint about it they removed it from my account. then they started sending me emails and put it back on my consumer report 2 weeks later. I do not know this company I do not have a contract with this company I never gave this company permission to contact me in any way. they are constantly harassing me. I sent out a notarized affidavit along with a cease and desist, original dispute were the account was deleted by them the first time, Communication stating I owe a debt, I sent a letter showing they bought the alleged debt and an invoice with the violations they have committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: IN

Complaint narrative:
We received a statement showing we had not returned all the frontier equipment.. We have Proof from XXXX Showing a drop off package receipt that the equipment was shipped out on on XX/XX/2019. Shortly after we received another statement showing they still needed the equipment back. We have spoke to them And sent in proof of the receipt and they said this would be all taken care of and it would be noted on the account. We recently had our credit ran and it is still showing as a unpaid balance. This money is not due And the account should be settled with a XXXX balance.

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 2021-10-02 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I often use XXXX XXXX  so I dont really use my card that much but on XXXX I notices charges not made by me through my email I called them to open up a whole new account and dispute the charges some of the charges are in a whole different jurisdiction than me and places I never shopped at. The following charges left my card in over drawn fee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They replaced the overdrawn fees but denied my claim with no explanation why. I was wrongfully investigated. I was told by lady I would be credited for the purchases but never did so I called to find out that my claim was denied. Im a XXXX women whos family have passed from covid Im the only person in my little family left and I cant afford to be stolen from please help 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 2021-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Already tried fixing this through them over the phone with picture evidence but no success, tried going to XXXX and filing with small claims court but chase ending forcing the case to close. 
I had returned an XXXX purchase and got the refund credit back to my chase claccount but chase was holding the credit, so I got no credit and on top I got charged again plus they reversed some other credits that Im authorized for that was already confirmed by XXXX representatives. 
Ive always had a good standing account with no issues before and never owed them money so no reason to be holding my credits that belong to me that would total about {$800.00} or more that they are holding As you can see in the attachments provided they took back {$440.00} twice while I sent proof of XXXX stating they issued the credit along Im sending pictures of the other reversals they did and charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-02 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: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a retired person living in the XXXX now for 7 years. Citibank has both my XXXX, California and XXXX, XXXX residence address. I have filed XXXX complaints against Citi within the last few months. I have over {$70000.00} cash deposited with Citi. I have been a Citi " Gold Card Customer '' for about 20 years. 
PERSONAL BACKGROUND INFO : I am almost XXXX XXXX XXXX. My wife and I live off of my Soc. Sec. direct deposit to my Citi XXXX XXXX Acct. However, since our cost of living is higher than the XXXX Sec deposit, it is usually necessary for me to transfer from {$500.00} to {$1000.00} per month from our regular checking acct ( ending in XXXX ) to the XXXX XXXX acct, and then withdraw the total via my citi debit card. We also had 2 Citi Credit cards for larger and online travel and hotel expenses. 
In late XXXX, I came down with XXXX induced XXXX. I was not admitted to the Hospital... .because Citi had, without any notice to us, closed both our Citi Credit Cards . Here in the XXXX, you pay when you are admitted. Nor could I buy the buy the expensive medicines I needed ... because Citi had BLOCKED my online access to my accounts. 
So my wife and I were ordered by the local government to " quarantine at home ''. WE could not leave our house by gov order. No one was allowed to visit us. They put yellow crime scene tape around our property so everyone in the Subdivision would know we were off limits.We ran out of food and drinking water and money because my online access was still blocked. 
On XX/XX/XXXX, Citi sent me a letter of apology and stated that they had fully restored my access to my online accts. THAT WAS A LIE. I HAVE TRIED 4 TIMES TO ON ONLINE TO GET MONEY. ALL ACCTS BLOCKED. TODAY, THEIR 'chat '' SERVICE KEPT ME ON HOLD FOR 27 MINUTES, THEN OFFERED NO HELP. 
I nearly died from the XXXX. I am somewhat better now, but still under quarantine. We are reduced to begging food from the neighbors, ( can not order online delivery because no credit cards, can not pAY CASH BECAUSE MY ACCTS ARE BLOCKED. ALL THE WHILE, Citi assures me in writing that ACCESS has been fully restored. 
I NEED MEDICINE, I NEED FOOD, I NEED ACCESS TO MY MONEY... But all I get from my Bank are written lies about how sorry they are for screwing me over and assuring me that the accts are fully accessible. What a pile of cow dung. I may die before they let me get access to my funds///

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 2021-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
In XXXX I received a XXXX Mortgage from XXXX XXXX in XXXX it went to Green Tree LLC which was crazy They lied harassed and tricked me into all kind of stuff at that time I had no idea then it went from Green Tree to Conseco to Green Tree back to Conseco which I thought was odd something happened along the lines because a XXXX mortgage from XXXX, is now still going in XXXX and is only down to XXXX so Im 25 years Ive only paid down the loan XXXX there is something very wrong with this I am owed a lot of money and my house should be paid off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX - XXXX Balance {$14000.00} DEPT OF ED/XXXX - XXXX Balance {$3200.00} DEPT OF ED/XXXX - XXXX Balance {$6000.00} DEPT OF ED/XXXX - XXXX Balance {$3800.00} DEPT OF ED/XXXX - XXXX Balance {$1900.00} DEPT OF ED/XXXX - XXXX Balance {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 45 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 to 45 days gives a reason to quickly remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XXXX IS STILL REPORTING A CHARGE OFF EVEN AFTER SENDING THEM A LETTER FROM THE REPORTING PARTY INDICATING THAT IT WAS AN ERROR. I HAVE MADE NO LESS THAN 4 ATTEMPTS TO GET THIS FIXED AND XXXX IS THE ONLY BUREAU THAT REFUSES TO CORRECT THEIR REPORTING.

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 2021-10-02 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems Inc has been reporting a erroneous information on my XXXX and XXXX credit profiles as a collection account. They are reporting this account as a joint account which it is not. I belongs solely to the primary on the account. They have also recently over the last coupled days updated the amount of the collections from {$1500.00} to {$1500.00}. Neither of these amounts reflect an accurate balance. I am demanding that all reporting attempts on this account cease and desist and be immediately deleted from my XXXX and XXXX credit profiles permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Pursuant to 15 USC 1692c ( c ) - notify debt collector in writing to cease and desist all communication. Ive recently reviewed my consumer report and noticed I have multiple authorize inquiries that are not associated with any open accounts on my consumer report. I will have my identity theft report attached to this complaint. Pursuant to FCRA 15 usc 1681 ( a ) ( 1 ) credit reporting agencies The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Pursuant to FCRA 15 usc 1681a ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. So you should make sure these unauthorized account and inquiries are remove. Pursuant to FCRA 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions from consumer report, report containing information solely as to transactions or experiences between the consumer and the person making the report. FCRA 15 usc 1681a ( d ) ( 2 ) ( b ) Exclusions from consumer report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS

Company response to consumer: Closed with explanation