vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: NY

Complaint narrative:
XXXX, XXXX, Experian, Credit companies are not complying with their own policies within a timely manner, on XX/XX/2022 I contacted the above companies regarding multiple account inaccuracies including a XXXX consumer account showing {$XXXX} balance and inquiries including XXXX XXXX, first XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, I have yet to receive in response.

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 2023-02-01 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: MI

Complaint narrative:
I have a a XXXX XXXX XXXX XXXX  showing on my credit and the account is 100 % fraudulent. The address listed under the account is fraudulent. I contact XXXX XXXX  and they have no knowledge of the account. The account keeps getting verified when it isnt under any debt collectors. This account was due to Equifax data breach. I have file the police report, FTC report and XXXX  complaint. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: Kriya Capital, LLC
State: TX

Complaint narrative:
I spoke to XXXX at XXXX XXXX XXXX  XX/XX/22 and they said my balance was XXXX and I was set up to make XXXX installments.i paid XXXX XX/XX/22 then paid XXXX XX/XX/22. Received a letter from XXXX XXXX XXXX  XX/XX/22 saying account has been resolved for less then the balance. Spoke to credence and disputed by email XX/XX/22 with a letter from XXXX XXXX XXXX that they sent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I recently opened a credit card with Citi ( XXXX XXXX ) because it offers no foreign transaction fees as a benefit. I recently traveled outside the country to XXXX from XX/XX/23 to XX/XX/23 and was planning on using my card to take advantage of the benefit. The entire time I was in XXXX the credit card was not accepted when I tried to use it. I contacted Citi on XX/XX/23 while in XXXX to inquire about the problem. The customer service representative indicated that no charges were declined on the card. While the charges were not declined, there is still a problem with the card / network / system because my card could not be used. Each time I tried to use it at a merchant, it was not accepted. It is especially problematic because my husband ( who I was traveling with ) also has a Citi credit card and WAS able to use it during the entire trip without issue. In fact, he could use his Citi credit card at ALL of the same merchants where my credit card could not be used. 

Because I could not use my Citi XXXX XXXX for the entire trip I had to withdraw a significant amount of cash using my debit card multiple times, which incurred ATM fees at both my bank and the bank in XXXX. Additionally, we were forced to use my husband 's credit card, which charges foreign transaction fees. 

Because my card could not be used, I incurred additional fees and expenses that I was not expecting. I believe it is unfair and deceptive that a credit card that advertises " no foreign transaction fees '' could not be used while I was traveling outside the country.

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 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-02-01 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It is listed on my credit report that a XXXX  XXXX bankruptcy was filed. I have communicated with the courts and they have stated that no information has been verified with them in reference to this information. They do not give this information out at all. I have contacted the bureaus and asked them to provide me with the documentation that they have received from the courts to verify a bankruptcy and they still have not done so.

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 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I was sent a letter from Chase stating that they may have given me erroneous information about a 0 % apr on purchases. They stated in the letter that they will honor the rate until XX/XX/2023. When the rate didnt kick in and I was charged interest, I called them. They told me they found the letter and would refund my interest charges within 7 business days. On XX/XX/XXXX they sent me a notice saying that the XXXX was correct and they did not refund or change the interest rate. I called them and used their online portal to send them copies of their letter and now they are not responding to me. My copies were sent to them on XX/XX/XXXX and I keep getting told I will receive a response in XXXX business days. Still no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
There was damage done to the house by Hurricane IAN. 
Insurance company sent check. 
Check was endorsed and sent to Fifth Third bank. 
They are holding the fund until contractors sign a waiver of lien. 
The waiver of lien form does not look like the one specified in Florida Statute 713.20. 
The real problem is that the Bank places the consumer in a catch 22 situation where they won't release funds until a waiver is signed.

The contractors won't sign wavers until they are paid.

So I paid out of pocket one contractor and put a deposit with another.

I have uploaded documentation to their website and still no funds have been released.

The following documents are required : Contractor waiver of lien - A lien waiver is a document from a contractor, subcontractor, materials supplier, equipment lessor or other party to the construction project stating they have received payment and waive any future lien rights to the property for the amount paid.

Asking someone to wave their legal rights before they have been paid is ludicrous.

Not releasing any funds makes the entire point moot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: Thaxton Investment Corporation
State: TN

Complaint narrative:
On XX/XX/XXXX I noticed that my credit score had dropped XXXX points. I found that Covington credit had opened 4 accounts. After speaking with them I was told they did not know why and could do nothing about this. The last time I had business or any communication with covington was XX/XX/XXXX. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Assured Financial LLC
State: VA

Complaint narrative:
I received a collection letter from Assured Collections, LLC ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) on XX/XX/XXXX, stating that they were collecting on behalf of XXXX XXXX XXXX. They were collecting an amount of {$2900.00} for a product # XXXX, date of XXXX XX/XX/XXXX. I immediately responded to the letter stating that I never received such a device, checked with my physician 's office to confirm my bills for this XXXX were paid in full, and no device of this type was ordered. I have since received another collections letter stating that I should pay immediately or a negative report will be sent to credit reporting agencies, or a legal suit could be brought against me. 
I have researched XXXX XXXX XXXX, and found numerous complaints filed with the XXXX  that is exactly the same as my situation, where they wait 2 - 2 1/2 years then start tryng to collect. I never received any type of contact from XXXX prior the above referenced letters. 
I am refusing to fall for this scam and am contacting legal representation to hopefully get this resolved. 
I have filed a complaint with XXXX, and will be reaching out to all agencies to make people aware of this scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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: Westlake Services, LLC
State: GA

Complaint narrative:
I called the XXXX  XXXX XXXX XXXX to advise them I did not apply for a loan with them and XXXX also Nowcom I'm not even sure what these are. When I called they asked me to call the credit bureaus to remove them in which I did and they are still on my credit file I did not authorize these companies to run my credit.

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 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell FEB DESTINY/GF to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

FEB DESTINY/GF Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NM

Complaint narrative:
Due to the ongoing problem with Wells Fargo they continue to reverse the credits. Cause me overdraft fees and Im on a fixed income. They just caused me to not make a car payment because the took XXXX and change from my account. Now I have been in the red since. No one listens and I get the phone hung up on me every time. This company abuses the rights of XXXX but yet they never seem to pay for what they do wrong. If I did this to someone I would be in jail.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX informed me via email that they had not received my rent check for the month, which is {$2200.00}. I did not see this email until the evening of the XXXX and called TD Bank to confirm that the check I issued had been cashed. Checking my online bank account I confirmed that the check had been cashed but the image of the check showed the check was not endorsed. TD Bank confirmed that the check was not endorsed and should not have been processed by their payment system. 
On the morning of XX/XX/XXXX I went to my bank branch, XXXX XXXX, XXXX XXXX XXXX XXXX, and filled out their " Affidavit of Forgery : Forged, Counterfeit, Altered or Stolen Check ( XXXX ) & Unauthorized Withdrawals '' form, closed my account, and opened a new account with TD Bank. 
On XX/XX/XXXX I was informed I should return to the bank to sign TD Bank 's " Affidavit of Payee Claims Non-Receipt/Missing Endorsement ''. Both documents were notarized at the bank. I informed the US Post Master General that the check was stolen from a mailbox and opened a case #. I have spoken to TD Bank XXXX Fraud Resolution department several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) about the return of my money and was informed TD Bank could investigate the fraud for 120 days from the time of the reported fraud. This is unacceptable as TD Bank is fully at fault by cashing an unendorsed check. I need this money for a surgical procedure and have informed TD Bank of this to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: GU

Complaint narrative:
This predatory, unethical, corrupt lending company started the repossession process in XX/XX/2022. They have not honored their Dealer Agreement contract with the dealership, whom used false information to obtain the loan, which specifically says that " if false information is used to obtain funding they will immediately seek a refund from the dealership ". This stems from my vehicle being apart of the XXXXXXXX XXXX XXXX Recall Campaign, caught on fire XXXX separate times while I was operating it, was out of service for over XXXX  days, has had XXXX Engine replacements between XXXX miles and XXXX. 
Due to the XXXX that I have been diagnosed with, due to my XXXX near XXXX  experiences, I refused to drive the vehicle. It was picked up by them in XX/XX/2022. I called and a representative confirmed that they had picked it up and, " they would be emailing me instructions on how to retrieve my belongings " Inside that vehicle were the remains of my beloved XXXX XXXX. Ever since they took my vehicle they refuse to admit that they have it And I have called consistently every few weeks since XXXX of 2022 to ask them for updates on my XXXX 's whereabouts. We as a family are devastated. XXXX of the reps that I spoke to actually XXXX  me for leaving my XXXX 's remains inside the vehicle and said that it was my fault. The children did not get to spend the holidays with XXXX XXXX 's remains and now we have nothing left of him but our memories.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: FL

Complaint narrative:
On XXXX 2023 Equifax received my request for a reinvention, on XXXX 2023 Equifax replied stating the the account in question was verified. How can that be when I provided them with proof from the Bankruptcy court that the case number was INVALID. Equifax violated the FCRA 15 U.S.C. 1681e ( b ), Equifax failed to maintain maximum accuracy and failed to do a proper investigation. The account listed below still remains on my credit report even though I provided proof from the court that supports my claim, I have also provided proof showing that Equifax did not conduct a proper investigation. Please delete the following account from my credit file as it is inaccurate : 1 ) XXXX Bankruptcy/ Reference XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Proverbs XXXX verse XXXX : hear instruction and be wise and refuse it not. I am making a claim that The CREDIT AGENCIES XXXX AND TRANSUNION broke the law as well as XXXX XXXX! XXXX XXXX stated no credit freeze and personal statements were in place stating to contact the CONSUMER day or night with his direct phone number available before proceeding with any credit transactions due to a XXXX breach of the CONSUMERS NON PUBLIC PERSONAL INFORMATION and being a victim of ID THEFT. When the CREDITOR accepted the offer from XXXX XXXX and authorized and authenticated with his credit information/signature a financial asset to create an account for his PRINCIPLE DEBTOR to obtain credit he was faced with an ADVERSE ACTION, DISCRIMINATION DUE TO THIRD PARTY INFLUENCE AND DEFAMATION OF CHARACTER CLAIMING THE APPLICANT WAS NOT CREDIT WORTHY. My proof of claim for the willful noncompliance and willful negligence of the CREDIT AGENCIES XXXX AND TRANSUNION ALONG WITH XXXX XXXX to break FEDERAL CONSUMER LAW is the credit freeze statement on both TRANSUNION AND XXXX clearly and conspicuously stating to contact consumer before proceeding that XXXX XXXX stated several times no credit freeze was in place at the time of the consumer credit transaction. XXXX charging and seeking COMPENSATION for the violations against the consumer that was set forth by XXXX TRANSUNION AND XXXX XXXX. FEDERAL CONSUMER AND COMMERCIAL LAWS both were broken and unfair and deceptive business practices from THE CREDIT AGENCIES AND 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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
It is listed on my credit report that a XXXX  XXXX bankruptcy was filed. I have communicated with the courts and they have stated that no information has been verified with them in reference to this information. They do not give this information out at all. I have contacted the bureaus and asked them to provide me with the documentation that they have received from the courts to verify a bankruptcy and they still have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BCION, A DIVISION OF ION BANK

Complaint narrative:
The big picture is that I'm changing from XXXX XXXX to XXXX. XXXX did a correct wire transfer without any problems on XX/XX/2022. The amount was USD XXXX and arrived in my account at XXXX, My problem began when I told them that I was going to change to another bank, and they charged me a closed fee in both accounts ( brokerage and checking ) of XXXX each account also the regular last wire transfer of XXXX, they told me that a las advisory feed needed to be pay, So I paid all my the fees that they required. I gave them the go-to proceed to do the last wire transfer to XXXX, which amount was USD XXXX deducting all charges ; they filled up the form to transfer as usual the problem was that the money never arrived at destiny because of a wrong account number that XXXX XXXX assumes XXXX instead to use the correct form used on XX/XX/XXXX, XXXX the transfer to XXXX passed clean XXXX 
Now to do the transfer, they demand to pay USD XXXX for rejected wire transfer and XXXX the fee to send the last transfer to XXXX again. I have attached emails and documents that explain this issue.

Company response to consumer: Closed with explanation