vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-18 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: NC

Complaint narrative:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX XXXX and XXXX CRA. On XX/XX/2020, I mailed XXXX XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
This company notified me of a debt owed that it has not validated and/or verified. I sent notice to this company & they have not responded. This company has also illegally reported false information to the credit reporting agencies & are in multiple violations of the FCRA & FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
i have inaccurate information been report and this company is doing nothing to help or investigate, i have not received any respond i been totally ignored. 
I sent the first letter on XX/XX/2020. 
please see attached all letters been sent, proof of ID and proof of address.

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 2020-10-18 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: FL

Complaint narrative:
The following account ( XXXX XXXX XXXX ) belongs to someone with else with the same/or similar name.

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 2020-10-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Reported late multiple times, which is incorrect.

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 2020-10-18 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: NC

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-18 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:
I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. TransUnion/XXXX/XXXX  -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is more than 4 years old as if it is new is illegal. Hence the reason the attorney general is now involved. My score  should be restored!! XXXX  XXXX - Regarding account XXXX. The account was opened in XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XX/XX/XXXX. However, XXXX XXXX, RE-AGED the debt and is reporting it as if the account is still open. The detriment to my credit report for this illegal act was a loss of many points.

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 2020-10-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. XXXX/EQUIFAX/XXXX  -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is more than 4 years old as if it is new is illegal. Hence the reason the attorney general is now involved. My score  should be restored!! XXXX  XXXX - Regarding account XXXX. The account was opened in XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XX/XX/XXXX. However, XXXX XXXX, RE-AGED the debt and is reporting it as if the account is still open. The detriment to my credit report for this illegal act was a loss of many points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. XXXX/XXXX/Experian -- Failed to correct my credit score.  REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is more than 4 years old as if it is new is illegal. Hence the reason the attorney general is now involved. My score should be restored!! XXXX  XXXX - Regarding account XXXX. The account was opened in XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XX/XX/XXXX. However, XXXX XXXX, RE-AGED the debt and is reporting it as if the account is still open. The detriment to my credit report for this illegal act was a loss of many points.

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 2020-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
i had an account with synchrony bank on XXXX. it was opened in XXXX i made my pyments on time for purchases, until XXXX began trying to overcharge me on some items. attempts to correct the issue with XXXX accounting were unsuccessful in XXXX when this occurred. after months of back and forth nothing was resolved. in XX/XX/XXXX, i suffered a XXXX. i was unable to continue fighting with XXXX. in XXXX, when i recovered enough to get back on track, XXXX told me the account was closed and XXXX. i heard nothing from XXXX XXXX about this matter either. no attempts to collect. in XX/XX/XXXX i received a letter from LVNV collection agency. i conveyed this series of events to them. they ignored my attempts to correct this issue. snce it had been over 5 years since the account was opened it was no longer a valid dect per pennsylvania law statute of limitations. i was ignored again. then received notice of a magistrate hearing in XXXX XXXX i have a XXXX  XXXX on the phone and was unaware that i needed to respond other than show up at the XXXX, which i did. the representatives of LVNV funding did not show up. i was told because i did not inform the magistrate i would be there. it was rescheduled for a month later, but i was unable to attend. then i received a letter in XX/XX/XXXX stating that LVNV funding went to common pleas court and got a judgement against me. i had no idea there was any court scheduled, no one informed me. i again attempted to inform LVNV funding i am on social security and have no assets and my income is protected. never the less they have put this negative claim on my credit report. as i stated, they ignored all communications from me. my income is solely from social security and i am a handicapped senior citizen. i would like this removed since it was invalid to begin with having gone beyond the statute of limitations of 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: IL

Complaint narrative:
Reported late multiple times, which is incorrect.

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 2020-10-18 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: IL

Complaint narrative:
Reported late multiple times, which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: NC

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: NC

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I received a letter from this debt collector that I owe a debt. There was no other data provided. This is a mistake

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 2020-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Over the past few months, I have made extra payments on my mortgage by including extra money with my monthly payment. Normally, when I would send extra money with a monthly payment, any money above my minimum payment would be applied to principle. In XX/XX/2020, I sent extra money, but this time it was used to make three minimum payments instead of going toward principle ( thus keeping my principle balance higher and forcing me to pay more interest ). This is also keeping my balance above the threshold at which I qualify to have my private mortgage insurance canceled. If all my funds had been applied to principle how I intended, my balance is low enough that my PMI should be canceled and the premium removed from my minimum payment. On XX/XX/2020, I sent a letter to the error department at TD Bank. I have only received confirmation of receipt, but the error remains. I called in XX/XX/2020 and the person on the phone assured me it would be taken care of. The error still remains. I should not have to pay any more PMI premiums. TD Bank is engaging in the practice of misapplying my payments to make me pay more interest and to keep me paying my PMI premium.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2020 I accidently ordered a smartphone from XXXX on my Citi Costco visa credit card and immediately sent an email to XXXX customer support to cancel my shipment. XXXX replied back stating that the order was in process hence it could not be cancelled and requested that I refuse acceptance from XXXX  and have XXXX  return the shipment back to XXXX and they will then promptly refund full amount of {$420.00} to my Citi visa credit card. 

I got confirmation from XXXX that XXXX was returning the shipment of the smartphone back to them. 

I opened a dispute with Citi immediately for the {$420.00} charge on XX/XX/2020 since a charge from XXXX appeared on my account on that day. Citi visa issued me a conditional credit for {$420.00} and reversed it shortly after stating that vendor had indicated that this was not a refundable product. 

I contacted XXXX  that I was not issued a refund despite the fact that I had cancelled the order prior to shipment and followed their directions and their promise to refund the full amount. They sent me a email on XX/XX/2020 that they had refunded my full amount to Citi visa credit card with XXXX  reference number for the refund. 

I forwarded this information to Citi but Citi claims that they have not yet received the refund! 

I need help from you since I was charged for an item that I never received and that was cancelled prior to shipment by me. XXXX  claims they have issued a full refund of {$420.00} via XXXX  with a reference number provided to me but Citi Visa claims they did not receive the refund and charge of {$420.00} remains on my Citi Costco Visa Credit 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 2020-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
my name is XXXX my cell is XXXX my email is XXXX, i am a XXXX XXXX XXXX, on XX/XX/2020 i recieved an sba ppp loan for XXXX $ i have my business in my suntrust business account, suntrust recieved the wire from sba and cleared the funds, they then froze my bank account on XX/XX/XXXX with 0 warning or explanation? they lied too me numerous times saying they would release my funds? they havent, i hired an attorney, XXXX XXXX XXXX we have been dealing with the suntrust parasites for 67 days now, they have hurt me, my business, my employees and my family by holding up funds that were needed for my business that has been decimated due to pandemic, sba said they cant freeze my funds, and called suntrust ceo XXXX pure evil, my attorney and i have sent demand letters, made complaints with sba, irs, banking commission, federal reserve and attorney general and have gone too multiple media outlets including XXXX, and XXXX, they have my funds, they are making money off the interest and are destroying my business and my life, please help me immediately, my attorney and i have done everything possible, please help me, thank you, 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 2020-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
My account was " frozen '' on XX/XX/2020 ... ..no notice or reason given. This account is a JPMorgan Chase account in their " private banking '' program. I have been a customer one way or another for 25 years!!! 

They are not holding my checking account of {$63000.00} ; then are now holding XXXXederal Funds in the form of my Social Security in the amount of {$1600.00}. 

Since I can not get any answers I HAVE TO ASSUME FRAUD OR THEFT!!!!! 

As you can imagine I have numerous checks returned and non-payments!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
i have inaccurate information been report and this company is doing nothing to help or investigate, i have not received any respond i been totally ignored. 
I sent the first letter on XX/XX/2020. 
please see attached all letters been sent, proof of ID and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: PA

Complaint narrative:
for the last 6 months i had at times multiple calls daily. early in the morning, last at night all weekend long.im not getting calls from a 5th different number in the same time frame. from the 3rd different company referring to this account. ive spoken to a few different people to attempt a resolution for the account. none of which were manageable with this current financial crisis we are facing. with trying to keep my kids taken care of and more important bills under control. im just sick of being harassed by anyone trying to collect on this. i get it, its a debt that needs addressed. but, they will literary have to wait their turn. as a closed account and negative mark on my credit report, which stands in my way of doing important things like getting the mortgage on my house, so i can lower my money bills. they are literary standing in their on way preventing me from saving money money on bills to be able to afford to address things like this and while at the same time making me never want to look at my phone. i see their numbers so often i almost know by heart. i wouldn't be so upset at the situation, but they don't need to call me something like 500 times to tell me what i already know.

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