vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, Consider this letter a formal instruction and unequivocal authorization to immediately remove and delete the inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, from both the consumer report and file associated with the SSN and File Number referenced above. I expect full compliance with this demand, as it is well within my rights under 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( o ) ( 2 ) ( D ).

Failure to comply with this directive within 5 business days from the date of receipt of this notice will be viewed as a deliberate violation of my rights, and I will not hesitate to pursue all legal avenues available to rectify the situation and seek appropriate remedies.

To emphasize the urgency of this matter, I demand your immediate attention and action. Remove the aforementioned inquiry without delay and ensure its complete eradication from all pertinent records.

Attached for your reference and verification are the following supporting documents : 1. USSA PASSPORT CARD 2. FTC IDENTITY THEFT REPORT I expect a written confirmation of the inquiry 's removal within a reasonable timeframe, affirming that my consumer report and associated file have been thoroughly purged of this derogatory information. 

Take this demand seriously, as any further delay or noncompliance will be met with swift and decisive action. 

Regards, 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 2023-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: NY

Complaint narrative:
I discovered that I had locked access when trying to accept an offer to make a payment and bring my account current. I paid by phone on XX/XX/XXXX and brought the account current while being told the payment would restore my access after the payment is processed within a few hours. It did not work. Through a half dozen calls since then, spending in total close to five hours on hold with the customer service advocates and origination departments over two weeks, I have been unable to restore access to my online account. I have no way of making a payment, validating the debt, modifying my payment source, or even tracking the progress of paying it down. This is a violation of my rights as a consumer and debtor and they need to correct it. What's worse is that their phone service does not allow anything related to online account technical support -- you're only given the option to refinance or pay your account. You can only speak to two departments. I was told I didn't qualify speaking with a supervisor based on my problem and no one seems to have any idea how to help me. Frankly without a validation of debt I don't see how they have any legal right to keep collecting from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a certified XXXX letter to XXXX XXXX XXXX referring g to account beginning in XXXX asking them to verify a debt that I owe to them. They have ignored the request to verify the debt in the allotted time allowed by the FCRA

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 2023-07-21 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:
XXXXXXXX XXXX has a collection for {$420.00}. I canceled them because they were too high and I got XXXX I have contacted both but its still on my credit report. I disputed and they dont investigate. They always believe the perpetrators.

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 2023-07-21 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:
XX/XX/XXXXXXXX XXXX has a collection for {$420.00}. I canceled them because they were too high and I got XX/XX/XXXX I have contacted both but its still on my credit report. I disputed and they dont investigate. They always believe the perpetrators.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: CITIBANK, N.A.
State: VT

Complaint narrative:
I have registered a complaint few weeks back and still my issue is not resolved. With the credit card company I have informed it on the month of XXXX, for the transaction made on the month of XXXX, XXXX and XXXX. 

I have a bill of {$1300.00}. And all those transactions are fraudulent and tried to dispute it with my credit card issuer i.e. Citi Bank. 

They have disputed few of the transactions but not all, still {$1300.00} is yet to be 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 monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I cant login to TransUnion. Ive tried so many times this week every which way possible. First it tells me that I have an account with them already created that I need to login but its not recognizing my login info so I asked to do a reset to reset my password, and then I asked me for my last name and my Social Security number and then, when I give my last name and Social Security number, and then tells me that my last name in my Social Security numbers, dont match up. Obviously, this is not true! I tried to do chat with the platform through the app and through the website and the robot tells you that you need to login before you can chat and since I cant login I cant chat. So then I called to ask for help and when I called, I was put on hold And after XXXX minutes hung up on. Ive called XXXX times in the last week and I cant get anyone on the phone. I need to unfreeze my TransUnion account so that I can apply for a loan and I cant get into TransUnion using the mobile app or the website and theyre not recognizing my information and theyre telling me my information is wrong and I cant get anybody on the phone to fix it. I need to unfreeze that account and I need access to my TransUnion account info. I also am disturbed that the website in the mobile app is telling me that my Social Security number is wrong and its not wrong because Ive had the same Social Security number since I was born. I need to unfreeze my TransUnion so that I can apply for a loan. I have no way to reach TransUnion as Ive tried every which way possible and they are unreachable. The other problem Im having with TransUnion is that at one point the screen opened up that said that I had to start an account with the transition website to access my information so then I would try that way to start up a new account and then I get a prompt response saying you already have an account with us please login using your login info. So I also tried that way as well, and I still cant access it or get into the website. The last thing I want to point out is that another screen popped up at one point and it said in order for me to access my Social Security information and freeze and unfreeze my account, I have to pay to subscribe. I need my TransUnion account unfrozen if its actually frozen and I need access to my credit report through TransUnion. Can you help fix this problem because theres no way I can fix it on my end as the company is not reachable. Thank you!!!!

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 2023-07-21 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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-21 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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CT

Complaint narrative:
I am a member of chime I was issued a refund from XXXX XXXX  a few years ago the bank has with held the refund even with all of the necessary proof that the refund was issued to them. And it is due to me I have reopened the dispute and asked for a resolution and they informed me I would have a resolution by XX/XX/2023 and still no resolution or my money back they keep telling me to wait XXXX hours to hear back here it is XX/XX/XXXX still no resolution even after my attorney spoke with them. They are still withholding the amount of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: VA

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-21 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:
This credit reporting agency has repeatedly refused my written request to remove information they UNLAWFULLY included in my credit 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 non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XXXX I transferred from Wells Fargo {$5000.00} from my checking account to my XXXX XXXX XXXX account. Today, XXXX I wanted to transfer another {$5000.00} but Wells Fargo restricted me to a monthly limit of {$6000.00}. I called to ask why and they could not provide an adequate response at the customer service level. My call was escalated and pending a call back but I felt it was important to report this issue. I feel, this is my money and I should not be restricted using online transfer capabilities between my accounts as I see fit for my financial wellbeing. Using other means such as a check or wire or other methods is a waste of time for me since online transfers are fast and efficient.

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 2023-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Possible Financial Inc
State: MI

Complaint narrative:
I took out a {$100.00} Loan and ran into problems paying due to my bank rejecting payments due to fraud protection and noticed that they do not have a way to pay individual installments if you miss a payment you either have to pay the entire loan off or you risk damage to your credit due to a faulty, out of date payment system. I think this is an issue as you have no control of your payments like I can not make an individual payment right now at all. They also do not possess a phone number to call, instead depend on a email system that sucks and it takes agents days to get back with you and being that my credit is on the line, this is a issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: GA

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2023-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
Dear Sir, This is to bring to your notice that, I had utilised the services of Western Union based in XXXX on XX/XX/XXXX to transfer an amount of XXXX $ from my checking account with XXXX XXXX XXXX ( account ending in XXXX ) .to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account ending in XXXX ) XXXXWestern Union charged me XXXX $ for this online money transfer ( inclusive of proccessing fees ) .They said the transfer would be done in XXXX days, as advertised.I had been getting calls from XXXX XXXX XXXX, the recipient , that the money has not been transmitted even XXXX  days after the transfer was initiated and the money taken from my US checking account.On contacting western Union, their agent XXXX XXXX apologised for the delay and said they had issues for processing and she would initiate an investigation.She said they would contact me after XXXX XXXXI asked for a refund.I had to send XXXX XXXX the amount of XXXX through XXXX XXXX ( XXXX ) and she received the amount in a few hours.This delay has tarnished my reputation and caused me undue mental duress.I contacted Western Union again after a week and asked for the reasons behind the delay and the status of refund, Now they say ( XXXX XXXX ) the amount had gone through on the XX/XX/XXXX and they would initiate an another investigation and contact me in XXXX hours.. I believe the representatives of Western Union are just wearing me out, by delaying the issue.Neither have I been refunded.They said, I should contact the recipient 's bank in XXXX and ask for the refund. Kindly take action against this agency based abroad and please refund me, the amount of XXXX XXXX charged from my checking account resulting in me, sufferring undue mental stress and hardship. Kindly bring to the attention of other hapless US consumer using the services of this fraudulent company XXXXWestern Union , who misuse US Banking laws Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Credit Karma, LLC
State: GA

Complaint narrative:
Credit KarmaXXXX XXXX sent me multiple emails stating offers to refinance my current auto loan for lower rate. They listed several offers with ALL of my current loan and credit information. Age of vehicle, current lender, current loan balance, how many payments I have already made, vehicle mileage. My credit scores. Everything was already on thier site! All I had to do was select which one I wanted to go with. I did select one that would lower my current rate by approx XXXX %. I filled out the loan questionaire. They sent me " congratulations your loan is approved! '' call us email. They then proceeded to tell me the rate would be much higher than my current rate, but they would be able to lower my payments by refinancing at a longer rate.?? Not interested!! It was a complete " Bait and Switch '' operation. A total waste of time for me. They also did a hard inquiry to my credit reports and my credit rating have dropped XXXX points because of this. My credit score is almost XXXX! Between Credit Karma and XXXX XXXX they had every possible piece of information to make a decision before I even clicked yes I was interested. I also found out that Credit Karma was sued for {$3.00} Million by the FTC for same type of practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: GA

Complaint narrative:
On XX/XX/2023 at XXXX eastern time, I obtained my most recent credit report from all ( 3 ) credit bureaus whereas this account still appears after notifying the debt collector and never received any correspondence back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The CBE Group, Inc.
State: CO

Complaint narrative:
I have received a high number of calls from this debt collector. I have requested they send me documents advising what is owed and requesting a statement more than once. I've checked my mail and never received anything. I verified my mailing address and they have it correct but keep calling to get payment. I advised i would call them back once i receive the statement to set up a payment plan and they just keep calling my personal phone. Now they have gotten in contact with my employer, called numerous times and i have management looking at me differently and advising i shouldn't be taking personal calls on a work phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We deposited {$720.00} in an ATM cash. And the ATM shut down. Midway never gave us a receipt, and now we are out of the money. The bank did put the money back into my account. Did an investigation and they found in their own favor and said they were going to take {$610.00} out of my account on XX/XX/XXXX. I don't know what their investigation involves. Or who counts the money or who has the video? But I run a very small farm. And I have no room for error and I know what money I put in the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: NC

Complaint narrative:
21st mortgage purchased my home loan. When they first contacted me they were harassing me for payments that were not due to them but my previous mortgage holder. I was told to learn how to pay my bills, after completely hostile phone calls and inappropriate behaviors from 21st mortgage I have blocked these calls due to feeling threatened into having my home taken for being XXXX day late. I am currently just XXXX  days late I have been locked out of my account until I speak with the account manager. I do not feel safe speaking with these people I just want to pay my mortgage as due.

Company response to consumer: Closed with explanation