vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have XXXX in my checking account from citibank. Call citibank they said they will send out around XXXX in another 30 to 60 days which i already have to wait 2 months since XX/XX/XXXX. Please anybody help.

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 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I am responding to a collection listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. 

If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you. I will await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I currently have a Citibank XXXX credit card. I have always made on time payments and have never been late. My credit limit on this card was {$7000.00}. My XXXX statement showed my balance to be {$3700.00} still with the {$7000.00} credit limit. We used the card for vacation the first part of XXXX, I charged a total amount of around {$2200.00} on the card still not hitting the usable credit limit. In the month of XXXX I made payments to them in the amount of {$1600.00}. My goal over the next few months was to get my usage down to below 50 %. I then receive my statement for XXXX and see that my next month payment which is due on XXXX is in the amount of {$600.00} and some change. I contacted Citibank and was told that they lowered my credit limit after I returned from vacation to {$4000.00} and the reason my payment for XXXX is so high is because since they lowered the spending limit I have now " considered '' to be over my limit. I don't have a problem with them lowering my spending limit, but my concern is that this will show on my credit report as being over the limit. I have always made payments to them for more than the payment amount was to be. What are my options??

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 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have contacted all credit companies and creditors about these accounts that I have no knowledge about, Ive requested these to be removed many times because it is having a bad impact on my credit score and 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 explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Continues to call me even though debt was erased from report knowing they cant legally collect on debt due to wrong information. They call me 8 times a day and sometimes after XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted dispute letters and i have yet to receive anything about my results. I feel there has more then enough time to send me my results.

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 2020-08-18 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: CA

Complaint narrative:
I have submitted dispute letters and i have yet to receive anything about my results. I feel there has more then enough time to send me my results.

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 2020-08-18 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: CA

Complaint narrative:
I have submitted dispute letters and i have yet to receive anything about my results. I feel there has more then enough time to send me my results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I purchased a pair of " XXXX '' brand denim shorts from a reselling site, XXXX, on XX/XX/2020 in the amount of {$120.00}. The item was delivered on XX/XX/XXXX, and the item was completely different from the description, and was by the brand " XXXX '', which is considerably cheaper than the brand I ordered. I contacted XXXX first to ask for a return, but after a few messages, I received no reply and after a few days, the case was marked as closed. I then sent the details to my Barclays account ( I used my Uber Visa credit card ), and then they sent me a letter stating that my card was verified for the purchase. This was completely different from the issue I filed it under, which was that I received false/inauthentic goods. I asked for the issue to be reopened, and I received a letter stating the exact same thing, resolving my case. I contacted customer service asking why my dispute was resolved under a different issue that it was filed under, and the only response they could give me was to file another dispute.

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 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/2020 around XXXX EST. I sent the wrong cash app money and it was a large amount of money which was also the wrong amount of money. I instantly tried to cancel it and I could not. Me and the person whom I thought I sent the money to tried to figure out why he did not See it In his account to even be able to send me the money back. I XXXX cash app but they Ended up being scammers. They locked us out of our cash app accounts. I went to file a police report for help, the detective found the actual cash app support email for me contact them. Cash app told me they can not help me because I initiated the payment, even though I told them it was an accident, the cash app customer service lady told me that she could see the account I sent the money to, and that the money was still in the account and I could not get It back even though it was an accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I did not receive a statement notification via email from my mortgage company, Freedom Mortgage for XXXX ( due XX/XX/XXXX ) so I logged into my account online to see if I could view it there and was unable to. It only showed statement through XXXX. So I called them on XX/XX/XXXX to find out why I couldn't view my statement. I was told there was a problem with how my XXXX payment was posted and that's why no statement was generated for XXXX. That made no sense to me. I would think that my mortgage statement for XXXX would still generate and show either a missed payment or misapplied payment. The rep I spoke to told me she fixed the problem and I should be able to view my XXXX statement by the next business day - XX/XX/XXXX. On the XXXX I still could not view the XXXX statement and sent a message to the company via the website letting them know I would file a complaint if I could not view my statement by today. As of today, XX/XX/XXXX, I still can not view the XXXX statement online AND the company assessed me a late fee of {$48.00}! I went ahead and made my XXXX payment {$1400.00} online today and did not pay the late fee since I don't feel I owe that. I have held a mortgage with Freedom for 6 years and never missed a payment or made a payment late or been unable to receive or view my monthly statement. I don't know why they are unable to resolve a simple request for a statement and fix whatever problem they caused by not applying my XXXX payment correctly. The rep I spoke to didn't fix the problem. Also, when I called in on XX/XX/XXXX, I made a request electronically to provide feedback after the call. When the call ended the company called me and indicated I should press 1 to give feedback When I tried to do so, it disconnected. This is horrible customer service!

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 2020-08-18 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: NY

Complaint narrative:
Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion should not be reporting a repossession on the XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my SSN card and Drivers License for identification purposes to continue  investigating my complaint. ) This account is reporting in error. I had tried to contact XXXX and after numerous attempts I finally spoke with an account supervisor who told me she could not locate any information on this account. She suggested I contact the corporate office which I have and no one has called me back. There is no account for corporate to access either. This information is clearly being reported in error and is seriously harming my credit score. This line item needs to be removed from my credit report. I  have contacted the bureau to remove this however, I have not been successful.

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 2020-08-18 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
For some reason my account was out of no where placed inactive whenever I call it gives my available balance nothing else I've called and spent days on the phone to get no answers Why is this happening how do i fix it why wasn't I warned or asked if additional info was needed im.confused and noone will help me. 

At least send my balance in check im over this

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 2020-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
The loans solution center for XXXX-XXXX  XXXX  warns callers that if they request forbearance it will have direct negative impact on their credit report. This warning goes against the specific wording of the cares act which states that requesting covid-19 for barents on your FHA or otherwise XXXX  protected loan will not negatively impact your credit report or history.

after 2.5 hours on the phone waiting on hold there was not a representative available at loan solution center or XXXX-XXXX  mortgage that was able to address this specific issue. 
This is a specific and direct attempt to bypass the cares act and avoid issuing GSE and FHA protected covid-19 forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: WV

Complaint narrative:
I BOUGHT A CAR FROM XXXX XXXX XXXX IN XXXX WV. THE DATE THAT THE CAR WAS PURCHASED WAS XXXX XXXX 2019.THIS WAS A USED CAR AND AFTER 2 WEEK I STARTED HAVING PROBLEMS WITH THE CAR. 

THE COMPANY TRIED TO FIX THE CAR BUT THE PROBLEM WAS STILL THERE. AN OFFER FOR ANOTHER CAR WAS OFFERED IN XXXX OF 2019. 

PLEASE NOTE THAT WITHOUT MY PERMISSION MY CREDIT WAS PULLED WITH SIX DIFFERENT COMPANIES. THE COMPANIES WERE XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. THEY WERE ALL INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES WERE ALL ON EQUIFAX. 

I HAVE NOTIFIED EQUIFAX THAT I DID NOT AUTHORIZE THESE INQUIRIES. EQUIFAX RESPONDED IN 2 DAYS THAT THIS WAS FACTUAL REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: IN

Complaint narrative:
Your previous solution to our complaint was to completely wipe my wife 's credit profile?!?! So now you are going to report that my wife has no credit history, when she's had previous credit cards, previous completely paid off car payments, a house payment that has never been late, etc. How can a company be this incompetent? Just pick up the phone and call us. Pick up the phone and call XXXX  or XXXX and get the right information. This isn't hard. 

As we contemplate our next legal steps and pursue legal counsel, we'd like to get this resolved as soon as possible to not have to go down that road. This issue has cause my XXXX  wife tremendous stress and is bound to delay our refinance, in which we stand to save over {$200.00} a month.

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 2020-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am responding to a collection listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you. I will await your reply.

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 2020-08-18 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-18 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: CA

Complaint narrative:
I am having issues getting a fraudulent account removed from my credit reports. My identity was stolen and as a result there is a XXXX XXXX account, a XXXX XXXX inquiry, and an address on my reports that do not belong to me. I never opened this account or used it. I disputed this with the 3 credit bureaus on XX/XX/XXXX but to no luck. Equifax told me they couldn't locate my file and to send a copy of my ID and Social Security card. I already sent them both items as well as my identity theft affidavit, police report, AND documents from the IRS stating that my identity had been compromised. Equifax is just making excuses to avoid doing their job. I never even received a response from XXXX  or XXXX  so they are clearly avoiding their duties as well.

Company response to consumer: Closed with explanation