vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was a victim of identity theft, I have been trying to clean up and keep an eye on my credit, I put alerts and freeze alerts on my credit. Experian will not lock or freeze my credit unless I pay extra for monitoring. That concept should be illegal. Instead of teaching snd helping consumers, they are adding to scams and identity theft. There is a lot on my reports I have nothing to do with, and the inquiries are out of control and none of them did I authorize. The other 2 agencies are the same they are allowing all kinds of information to access and put items on my reports that don't belong. But none of them will do an actual fact check. And why do they keep unlocking my report? Only I should be able to do that. Why are they given such a powerful business that is so important to people 's lives? The credit agencies are destroying lives and they don't care how wrong the data is. Or that I was identity theft because of their data breaches, and allowing everyone into my credit. This is far to serious of my lively hood to allow the credit agencies to continue this horrible not caring attitudes. Yet the privacy and livelihood of every human is in their hands. I should not have to pay money to lock my credit, especially after identity theft.

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 2021-12-23 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: IA

Complaint narrative:
I have no relationship with XXXX XXXX XXXX that is reporting on my credit report. It's been over 2 years and I still have zero information about this company, or any proof of this collection. If no one can provide me with any information, it needs to be removed immediately. 
I have also paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not owe them ANYTHING, they got upset I moved to XXXX XXXX and dropped their service and tried to over charge me. Remove the account immediately. I have told Transunion about this a several times over the last 7 months. Stop with the negligence or I will pursue this legally in court.

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 2021-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Rocket Mortgage failed to complete their proper due diligence in contacting my county 's property appraiser office when preparing my escrow analysis for XXXX. As a result of their ineptitude, they attempted to declare that I had a shortage in the amount of {$330.00}, and that I should expect my payment to rise {$75.00}. They determined my county taxes for XXXX would be $ XXXX. Their assumption and lack of due diligence has caused XXXX and nearly caused borrower harm. If I were not more educated on mortgage servicing, and escrow in particular due to my career, I would absolutely have been stunned and not sure how to address this issue. Being a step ahead of this game, I had to submit a complaint and demand, literally demand, a new escrow analysis be completed. Submitting data from the property appraiser 's website, the chat agent warned me " this could lead to a shortage, are you sure? '' -- - I am literally appalled that Rocket Mortgage would train their agents to use language such as this, as if identifying a mistake that Rocket Mortgage made and demanding that they correct it should come with a warning! Having to disclose that a ) rocket mortgage made a mistake, b ) i am doing their job for them by giving them information, c ) had to request on three contact events. I have been advised dates of resolution from XX/XX/XXXX, to XX/XX/XXXX and now today I am told XX/XX/XXXX. This is frustrating. Rocket Mortgage has continued to make excuses about why they failed to properly assess my county taxes in their escrow analysis and as a mortgage servicer, these are unacceptable. I expect my payment to DROP this year, not INCREASE. I am not trying to FALSELY ENRICH this tech giant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received a collection notice in the mail from XXXX XXXX XXXX XXXX dated XX/XX/2021 for a debt that was previously paid directly to the creditor, XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$21.00} that was due on XX/XX/2021 to Minute Clinic. 

The notice referenced, This is an attempt to collect a debt. I have made several attempts to contact the company to request a copy of my XXXX balance due letter but have not received the letter in the mail. The company confirmed over the phone that my acct was at XXXX balance. Also, I informed Operator XXXX that my mailing address is the same as the mailing address that they mailed the collection letter to, ( they had the incorrect mailing address on file ). 

Since then I have tried calling the company several times and at different times of the day but I get the answering machine every time. I left a voicemail last week and have not received a call back yet or the XXXX balance due letter in the mail. I would like a copy of this letter for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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:
On XX/XX/XXXX there was a wire transfer to XXXX XXXX in XXXX for {$8500.00}. I did not allow this wire transfer to happen. This money was taken from me without my consent. I dont know this person and I dont know who could have done this. I am banking with Chase and they havent followed up with me or told me of what theyve been doing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, Bank Of America closed my account without notice or any type of communication. 

Since XX/XX/2021, my account balance is {$6000.00}, and I still have {$12000.00} left to be claimed. 

I stopped certifying for benefits when the bank closed my account. 

There was no reason to keep adding more money, I can not access. 

Bank of America froze my account and will not open it. 

I can not tell you how many times I have called XXXX and Bofa. 

They tell me to call and have the other party sort it out. 

I am a XXXX man. I told the Bank of America manager I spoke to I would not go, but helpless and not knowing what to do and desperately needing the money, especially during the holiday season, I went anyway, to 2 branches. 

Both branch managers said the same thing. They told me they could not help me, and to call the number on the back of the card and explain to the representative that answered, both branch managers said they could not help. 

Since I am a prepaid customer, I have no account number, they can not verify me. When I called Bank of America back, they agreed with what the branch managers had said. 

My account has been closed since XXXX. This last time that I called XXXX, the tier two specialist I spoke with told me that my identity with XXXX was verified, there was no issue with my account, there was nothing she could do or say to Bank of America because once XXXX sends the money to Bank of America XXXX Bank of America doesn't want to hear a word XXXX has to say. 

The tier two specialist said the best thing she could do was add more weeks for me to certify so that when they were paid, I could call Bank of America and say XXXX just added more weeks so that Bank of America can see there is no issue with XXXX and Bank of America is full of it. The specialist was furious with Bofa and how they are treating me. She said to call them again now, and if they do not open your account, call your local assembly member or CFPB. 

As I stated, I am XXXX XXXX XXXX. I can't risk my health standing in line for hours for no reason, as I was told going to the bank will not help me. Also, I have restricted my direct exposure to public places with great diligence. 

It is my duty as a husband, father, and grandfather to protect my family and I will be XXXX if Bank of America thinks they can freeze my hard earned benefits because they want to hold on to every dollar of the federal pandemic money they were trusted to properly manage on behalf of XXXX and the citizens of 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 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Citibank customer service at XXXX to discuss Citi 's proposed terms and conditions changes. My call was routed to an XXXX based call center where the agent immediately cancelled my account. I do not believe the XXXX call center representative understood XXXX XXXX and or XXXX English-slang. My account started in XXXX was cancelled and Citi won't reinstate it. 

Reading the second page on Citi 's terms and conditions brochure, Citi has violated my Consurer Credit Protection Act rights under the federal Equal Credit Opportunity Act. Essentially nearly every category of violation prohibiting creditors from discriminating based on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has entered into a binding contract ) for an existing account occurred. 

Citi 's offshore call XXXX call center won't help. Citi 's onshore representative stated " nobody ever reads the terms and conditions '' -- but I do and did. I should not be penalized for an account in good standing with Citibank. At having to start a new can and wait another ( XXXX ) years for it to have the tenure my Citi card had is just unacceptable. 

Please intervene and force Citi to respond to this complaint. 

Regards -- XXXX XXXX PS Contact today by voice message, text message and e-mail Citibanks XXXX ( XXXX XXXX XXXX, Senior Vice-President ( XXXX / XXXX ) in an attempt to have this matter resolved.

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 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: NE

Complaint narrative:
I have disputed several accounts ( XXXX XXXX  XXXX accounts, XXXX XXXX accounts, XXXX XXXX, XXXX Mortgage, XXXX Bank XXXX XXXX XXXX XXXX ) by phone and app once in XXXX, twice in XXXX, and once in XXXX by phone and online. Once again via letter in XXXX for inaccuracies in reporting, as well as not authorizing the reporting. I called today to demand they be deleted pursuant to 15 U.S.C. 1681b. ( a ) ( XXXX ), as I have never given written permission to display these accounts on my consumer report. I was hung up by XXXX different associates in the Fraud department while conveying my dispute. I recorded both phone calls.

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
Account was opened with out my approval or knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX (  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX A ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXP ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX AUTO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BAN XXXX ) XXXX FXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX BANK XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I received a negative mark on my credit from a company called Sunrise. I have never received notification from them before. The description states its for XXXX XXXX, which is my current cell company and I have never missed a payment. This has caused significant damage to my credit score. I dont know what this debt is for. There are requirements with regards to notification which I never received.

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
AT & T Universal Card # XXXX. Customer presented payment Money Order XXXX XX/XX/XXXX. XXXX  photocopy front and back says account was paid XX/XX/XXXX {$250.00}. As of XX/XX/XXXX AT & T disputes receivement of payment. Refuses to allow customer to submit proof of payment to any supervisor, or investigation team. Customer has not been credited for payment received. Conditional payment of {$250.00} is only temporary. AT & T Universal Card is a 20 year customer in good standing but refuse to allow customer to submit proof. They will not investigate or call customer back in 20 days. Citibank is main company who issues Card

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 2021-12-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
To whom it may concern, I am writing in regard to the below referenced accounts and transactions. 

Account:XXXX  This vehicle was repossessed by Exeter Finance LLC in the State of Florida on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. 
Under the laws of the State of Florida UCC XXXX and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OR

Complaint narrative:
I purchased a XXXX  debit card from XXXX. I tried to make a purchase for the amount on the gift card and it continued to decline. I called the company 3 times and they were not helpful or supportive. They tried to tell me the merchant I was paying through was saving my information. Each time I called the merchant they stated they were not saving the information. During the third phone call, I called the merchant at the same time I was talking to them to ask the merchant and XXXX to communicate. The merchant continued to say they were not saving my information and XXXX  continued to say they were. There was no resolution and I spoke with XXXX  for over an hour on the phone, with them finally agreeing to send another gift card in the mail, which will take 7-10 business days. My concern is that I will have the same problem when I receive my new card.

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 2021-12-23 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: CA

Complaint narrative:
thanks for adding the fraud alert to my report but i still need the issue resolved. I have loss sleep thinking of how someone has actually got away with these accounts.

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 2021-12-23 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: IL

Complaint narrative:
On XX/XX/21 Experian Credit Agency at www.Experian.com boosted my score by XXXX points. The next day ONLY Experian added a fraudulent collections account to my report and no other credit agency noticed the fraudulent collections account. At the other agencies I have good credit. Experian personally altered my credit score and lied and said the other agencies knew when they had no knowledge of the fraudulent collections account added on XX/XX/21 by ONLY Experian. They personally are attacking my account and committed fraud while doing so in an attempt to deny me my good score. My Experian account has been locked the entire time. My other accounts are locked as well. Experian is the only agency that allowed the fraudulent information onto my account 1 day after my score increased by XXXX points. They Are discriminating on my account and taking it very personal. The account in question WAS NEVER on ANY of my reports EVER. And for them to slide on my report AFTER my score went up XXXX XXXX later suggests fraud and 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