vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 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 XX/XX/23 I sent a letter regarding inaccurate I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: PA

Complaint narrative:
I got an alert from my bank about changes on my credit report when I checked my report I found someone has a loan in my name with XXXX and a balance of XXXX this account is fraudulent and does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring 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 non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
this debt does not belong to me i have already ask them to prove the debt, and the documents that was sent back were not of any proof, please delete this account from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: OneMain Finance Corporation
State: CO

Complaint narrative:
The company isn't reporting the correct balance owed after receiving payments from my wage garnishment.I made multiple payments since XX/XX/2023 that are coming out of my check every month. My wages are being garnished the payments received are not being reported to the credit bureaus. Not showing the new balance owed on this account.I am trying to move and having a hard time showing this company is being paid because they haven't updated how much is owed to the credit bureaus. It's showing I still owe an old balance of {$3100.00} when I paid {$700.00} that brings the balance down to {$2400.00}. I reached out to the company by email he hasn't responded to my email requesting them to update my credit report. I have to prove this debt is being paid and the amount that is left on this account so I can get a place to move into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: GA

Complaint narrative:
At the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. The customer service manager ( XXXX ) has repeatedly, and deliberately submitted the incorrect 10 digit XXXX XXXX Transfer number, in an attempt to block and cause an immediate block and flag on the process of obtaining funds from senders. I have been receiving money transfers for over two years here in XXXX XXXX, and am unable to pick up money sent to me by the sender at this location only. When I contacted XXXX XXXX, they explained to me that. If the 10 digit number is entered incorrectly, it will automatically create a red flag, and receiving the transfer is voided at all XXXX XXXX XXXX. ( XXXX ) The Customer Service Manager, has entered the 10 digit transfer number incorrectly 3 months consecutively. XXXX, XXXX, XXXX, XX/XX/2023 and again XX/XX/2023. I have made several attempts at meeting with XXXX XXXX the store manager, but ( XXXX ) and several other members of the XXXX team has made it impossible for me to meet with her. Give one excuse after the other. I personally believe after further investigation on XX/XX/2023 that ( XXXX ) is deliberately deactivating XXXX XXXX transfers by entering in the incorrect numbers, which will result in the inability to receive funds by all XXXX American Customers or specifically ME!! an XXXX  XXXX. This is a clear case of discrimination and is not fair to the XXXX and XXXX consumers in this community. The process of getting the XXXX XXXX account reactivated is a lengthy stressful situation that could be avoided by entering in the correct number. Being promoted to Customer Service Manager comes with a certain level of accuracy and attention to detail. That is why I'm certain she would not be in a position of leadership with the level of mistakes made and are being made over a period of 3 months. This is not a mistake but a pattern of discrimination against XXXX XXXX customers at this location. The full scale of discrimination is not just XXXX  people but XXXX as a whole, which is sad to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Inquiries : Dates : XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX bank XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not authorize these companies to pull my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Vehicle registration paperwork has been in limbo since XXXX. Have not been able to register vehicle and not able XXXX XXXX vehicle because of this. Late and missing payments due to loss of hours at work and recently suffered a work related injury resulting in partial amputation on left hand. Chase has not resolved the XXXX registration issue and not willing to work with me about payment options. Most recently a payment which would have kept me from going beyond XXXX late has been returned, forcing me into full payment of remaining balance or repossession of vehicle. Chase claims to be mailing paperwork but I have yet to see anything since XXXX of XXXX. And messages they claim to have left have not been received due to callers not identifying themselves as part of Chase Bank. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
There were a number on unauthorized inquiries on my credit report dated XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am uploading a four page later that details the challenges I have incurred with my construction and mortgage loans from Truist Bank. I have a binder of roughly 580 pages with emails and correspondence with the bank that affirms everything claimed in my attached letter. 

For highlights : - Double paying my property tax despite telling me to pay it directly and that they were not paying it. ( The bank then paid the property taxes. ) - Informing me of my new mortgage payment of roughly {$1500.00} a month, when the actual new mortgage payment was {$4100.00} a month. 
- Committing to reimburse me for roughly {$75000.00} - {$80000.00} in costs I fronted for this project, and then telling me they can not reimburse me for those funds. 
- Asking me for a roughly {$8600.00} payment as we transition the loan from construction ( interest only ) to mortgage, but not answering my questions about what was included in the {$8600.00} and how it might related to payments I had already made. The bank then refunded me twice for parts of that payment -- I think -- but there was no correspondence with the refunds to explain the entire process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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.

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION TO MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.

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 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I mailed checks to an associate for {$10000.00} on XX/XX/XXXX. XXXX the check was stolen from the mail and deposited on XX/XX/XXXX at a bank in XXXX XXXX XXXX NJ on XXXX XXXX. I filed all of the relevant reports and affidavits with the Bank ( PNC ) and local police. I filed the affidavit with the bank on XX/XX/XXXX along with the relevant police reports in XXXX, KY and XXXX XXXX NJ. I have called PNC several times since for about a month regarding this issue and they have yet to refund my account for the stolen amount. I have escalated this issue with PNC 's fraud and complaint division. Both were either unresponsive and or unhelpful. They told me i would have to wait up to 120 days for an issue like this to be resolved. In the meantime, they said they were not going to give me even a provisional credit for my account. I have had to do all of the followup with this including with police with several jurisdictions and PNC has not been able to assist with this issue or even give me information about this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I keep receiving calls from mediation groups to pay off a credit card that I never owned. I am accused of having a citibank XXXX XXXX credit card from XXXX to XXXX with the card ending in XXXX. I have never owned a credit card from a citibank and never seen anything on my credit reports showing I made payments or anything. I own 2 credit cards and they are up to date. I live in Alabama and keep telling them it is not me despite them having my name, phone, address, which anyone can get if they look hard enough. 

I never signed anything, no contract, no agreement, not anything referring to a credit card and asked to see that. I'm told well statements are continuing to be sent, well one, I dont live where the so called statements are going, and two, so what if their statements, thats not an indication that the debt is mine. Anyone can fill out a credit card app and put my info in, not to mention the statue of limitations on credit card is 3 years. If this thing was so called opened in XXXX, it's XXXX and at some point they need to give it up that I am not paying for something I never got. Nothing has ever been put on my credit reports, all three, no collections ever since XXXX. I want them to stop bothering me and my family. They have been told and that means calling my mom too, good lord really .... They seem pretty desperate, sad actually..

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 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: IN

Complaint narrative:
I am disgusted that your agency allows companies to misleadingly send advertisements for prepaid cards in the mail to unsavvy consumers. I received what looked like a credit card in the mail with the standard e-mail land phone number on it to activate the card. But this was not a card for an account I have. It was an advertisement for a prepaid debit card that was designed to trick me into activating it like a replacement card on one of my accounts. 

Why do you allow this? 

This scam card is from " Netspend Prepaid XXXX '' from " XXXX XXXX XXXX, Member FDIC ''

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 2023-04-05 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: PA

Complaint narrative:
I got an alert from my bank stating that my score went down when I checked my credit report I found 2 fraudulent accounts on my report the first one was XXXX XXXX XXXX with a balance of XXXX the second one was XXXX with a balance of XXXX also on my report it says I have 4 late payments when actually I am not late on any of my 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 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
This a notice of intent regarding the continued reporting of a debt owed to XXXX not to Eastern for ONE account NOT 2 as Eastern Account Services continues to report. In fact, XXXX shows not debt having been owed to them whatsoever with no record of me as a customer and have repeatedly attempted to sign me up for service. 
In the cases of XXXX XXXX and XXXX XXXX and untold more, Eastern Account Systems continued to illegally report my accounts while in dispute with XXXX, XXXX and XXXX, which is a clear violation of the FDCPA punishable by fines and penalties. In the 2 cases I just referenced both cases found Eastern Account Systems guilty of violating the rights of the consumers and were fined as well as all costs paid to the plaintiffs. I would like for the CFPB to note my case in any future litigation and or class action lawsuits against Eastern Account Systems and for them to be forewarned that I intend on filing a lawsuit against them to include any fines, penalties and court costs allowed by law in addition to financial harm and damages due to my lower credit score and any lost opportunities that Eastern has directly caused me in their continuous and intentional reporting of 2 accounts instead of 1. they have blatantly and intentionally changed account names, statuses, dates and amounts over the course of 3 years with every credit bureau and I have records to prove. Since law is set by precedent I am confident that with my numerous records and history I will prevail in court. Eastern Account Systems should reevaluate their business model because all of these legal cases are costly and bad for business. Since they have cost me exceptional financial damages I want this to be record of another consumer who is going to exercise their rights under the law so that other consumers are not victimized by this company who cares only about the challenges of extorting money rather than the people behind their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Webcollex, LLC
State: NV

Complaint narrative:
None of my debts are in collection and I use my phone for business. CKS Financial has been using different phone numbers to call my phone and the frequency is increasing despite me telling them several times to quit calling me. Yesterday CKS used the phone number XXXX and today they used XXXX. They have attempted using other numbers over the last two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604A Sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions.Under 15 USC 's 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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:
I have previously written to TransUnion to investigate and Verify a bankruptcy listed on my credit report, which they responded to as being verified with the bankruptcy court. I know that this bankruptcy should not be on my credit report, so I decided to contact the court house myself. 

The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. I have included a copy of the response from the courthouse for reference. It is quite clear that someone from TransUnion lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). They also refused to reinvestigate when I provided them a copy of the Clerk of courts 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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX and there is XXXX XXXXXXXX XXXX XXXXXXXX, IN XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation