vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 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: MD

Complaint narrative:
i am extremely XXXX. i sent in a dispute on my behalf well over 60 days ago and present this day which is XXXX nothing has been done. i also noticed that they have not updated my consumer report with any indication that i have been disputing the items on my consumer report. my first dispute dates back to XXXX of XXXX and still my report indicates nothing that i have disputed this negative information which is the failure to communicate that a disputed debt is disputed. with that i am requesting that the items be removed from my consumer report and an updated consumer report showing that be sent to me. i would very much love it if the consumer reporting agencies do the job that they have assumed the position to do. Also i never provided them with the written instruction to put these accounts on my consumer report, they did not have permissible purpose. my report also shows these accounts are collection accounts but have a balance, which is not even possible. at this point i notice that the consumer reporting agencies are throwing anything on my report as long as they are getting payment to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 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: NY

Complaint narrative:
I opened a citibank checking account on XXXX XXXX, 2021. I tried to transfer money I deposited into that account to my other checking account with a different bank but it didnt work. On XX/XX/XXXX I called customer service because my account wasnt working and was told it was locked because they couldnt verify the cancelled transfer. I was told to wait for a letter with a reference number to verify my account so it could be unlocked. They mailed it out on XX/XX/XXXX and I got it on the XXXX, so I called back. My account was unlocked but I still couldnt log into my online account. On XX/XX/XXXX I called customer service again because my account was locked again with no warning. I was told that the service representative failed to follow proper steps during the verification process so they locked it again. I was also told that my account would be closed and when I asked about getting the money in it, I was told I would get a check in 1-2 months. I was also told I would get a letter explaining why its being closed but still havent received that. I inquired about getting the check sooner but was told to call another number. I waited some weeks and called the number on XX/XX/XXXX but keep getting hung up on with no answers about the check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Initiated a billing dispute on XXXX/XXXX/21. Have not received provisional credit for the dispute. In attempts to inquire about status, I have only been informed that someone will get back to me. 

In a second credit card account, I redeemed a promotional offer whereby credit card company was offering 20 % back at a merchant. Despite meeting all terms, credit for the 20 % offer has not posted to account. Inquired and was informed would be within 7-14 business days, which has since passed. A second inquiry only advises that I would receive a response within 14 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: LA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXXXXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received my credit report and found an account from them that is not mine I have never had a card with them. It shows I owe {$500.00} I have never had an account with them I have no children. We had several people staying at our home so it could have been one of them or someone got my information off line I do not know. I contacted the credit bureau 's and they said my account was accurate and this was confirmed with the company. I have asked for proof of a signed application or contract and no one has anything. They can not show me because I never applied for an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland credit management for {$1400.00}. They have been harassing me for sometime. They filed a lawsuit in XXXX, but I live in XXXX. They have inaccurate information on me and I dont know how to get them removed from my credit. Ive filed several disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm not persuaded that you have accordingly fulfilled the principles of the Fair Credit Reporting Act in performing your examination. My research has shown me that below Section 1681 ( g ) it is essential to generate me along with an explanation in the process designed to authenticate that this account is at collections and write me the name and addresses of persons contacted per rules found in 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 non-monetary relief
Consumer complaint received 2021-12-09 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: NJ

Complaint narrative:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
As the original creditor only I can validate any debt and I did not validate any debt, nor did I validate any lat payments. Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 45 days and 15 U.S.C. 1692g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 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: NJ

Complaint narrative:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
As the original creditor only I can validate any debt and I did not validate any debt, nor did I validate any lat payments. Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 45 days and 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have contact Equifax on XXXX XXXX regarding some Inquires that are not mines. I have sent a FTC report as well regarding these unauthorized inquiries. The Inquiries are listed below. 

XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I opened up a new account with Truist ( formerly Suntrust ). To fund the account, I transfered {$50.00} from my existing Truist account. On XX/XX/XXXX, the money is still not credited to the new account. On two occasions I have called and spoke to representatives for over an hour only to be hung up on or the call forwarded and dropped. The bank will not return my funds and they will not take accountability for the funds being lost.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have been having this Problem for about XXXX years.My mother passed away in XXXX and she was the primary loan holder.At that time I was a co borrower and had my own residence.In XXXX of XXXX my deceased mother 's probate closed and the house was to be paid off.Heres were a serious problem occurred, I was not allowed to close probate because of misleading information on my state record of being a felon.I know you can't be a executioner of a estate if you are XXXX XXXX or have XXXX XXXX XXXX.I didn't have either but wasn't allowed to pay off my mother 's home because of wrongful and XXXX XXXX  keeping by Wisconsin State courts.I was not just a coborrower I am also a heir and also was excluded from closing probate while having a loan to pay off with my deceased mother.My mother 's name wasn't no longer on the mortgage statement so I was on the hook for paying a mortgage off and being robbed of my inheritance by false information by the state of Wisconsin.The Mortgage company XXXX XXXX sold the loan over to XXXX XXXX without knowing that at this point the whole mortgage was fraudulent.XXXX gained the loan and kept billing me without my mother 's name being on the mortgage statement.The illegal probate was the reason my mother 's name was supposed to been kept on the mortgage statement so this wouldn't have happened.Back in XXXX of XXXX after bringing this illegal probate up my mother 's name was placed back on the mortgage state by XXXX XXXX XXXXThis should have let XXXX XXXX XXXX know that had bought a fraudulent loan with a deceased person name on a mortgage statement.XXXX XXXX XXXX threatened me with foreclosure even after finding out the loan was fraudulent.On XX/XX/XXXX of XXXX my home was foreclosed on and I feel like I got robbed because my mother died XXXX XXXX XXXX and this is what she worked so hard for.I know I have been a victim of mortgage fraud and wrongful foreclosure.I need answers and the return of my estate property!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo closed 4 bank accounts of mine. they have never sent me the funds. I have called the number I was instructed to and everyday I it rings for 30 minutes before I give up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint against this company because they have been violating me as a consumer and original creditor. I have been sending this company mail with a cease and desist letter which means that they shall not communicate with me about a debt directly or indirectly and they are still reporting my information to reporting agencies. I have sent them the violations of them and they have never responded to me or have they given me my specified remedy but they always respond to the reporting agencies when I ask the reporting agencies for an investigation. I am filing this report and I am also going to the Federal Trade Commission to file a complaint as well. I am very frustrated the way they have purposely ignored my demands and are affecting my ability to obtain household goods. This is a new complaint and they may try to mark it as a duplicate and it is not. 

THIS iS NOT A DUPLICATE!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
Paid for a removal said they would take it off my account once I paid the XXXX company lied said I had to go on there website and asked for a removal. I want this off my credit report, They took my money and didn't make good on there promise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I have been stuck with MyFedLoan ( PHEAA ) for a few years now as they are the only servicer dealing with PSFL qualifying payments. I should have put a lot of that in quotes for dramatic effect, as they have no idea what they are doing. Besides them being months behind on my employment verification ( a form I might add that is exactly 1 double-sided page ) and completely incapable of answering my questions, their records are incorrect.

I have been paying my 8 federal loans for nearly a decade now and they have all been paid at the same time. Yet, 4 of my loans are " missing '' a payment while the other 4 do not ; I don't know how payments made at the same time can be half-counted. Despite PHEAA 's wildly inaccurate payment count, I *know* that my XXXX payment will be made in XX/XX/XXXX or XX/XX/XXXX ( depending on the " missing '' 4 payments ). This happens to coincide with the planned departure of PHEAA from the federal loan servicing market -- literally, XX/XX/XXXX is the last month they are currently contracted to service my type of loans. 

I have absolutely done the right thing. I chose a career in public service ( before the PSLF law was even passed ), paid my taxes every year, made ALL of my payments on-time and in-full, and have submitted all the correct forms when required. XXXX XXXX never jumped through as many flaming hoops as I have! I am the ideal, textbook, PSLF-qualifying participant and yet I just know PHEAA and the Federal government are just going to mess this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: MN

Complaint narrative:
In XX/XX/2021 I attempted to use my US Bank XXXX that was given to me via XXXX XXXX XXXX XXXX. My card was declined and upon calling customer support, I was informed my account was " restricted '' due to " suspicious activity ''. I asked what activity was suspicious and they could not provide me with any details. In order to unlock my card I needed to submit my ID front and back along with a selfie using the self-service portal verify.usbank.com. I have submitted the requested documents numerous times and they claim to never received them. Another time I submitted the documents they claimed they could not read the documents. Not being successful I asked another way to verify and I've received conflicting statements as to whether I can send a fax to verify my identity. One representative says there is a note on my account that specifically says my account can not verify via fax but yet they say they have received past documents but that they were unreadable. I went as far as to getting a whole new ID, had the librarian help me scan the document enlarge by 200X and lighten 2 shades and fax to the number 3 separate representatives provided upon my request. This last time I faxed the document they again said they could not read the document again. This has been an ongoing headache and nightmare as the account in question is where my child support payments are loaded to. It has been XXXX months and I have XXXX month worth of payments I have no access to and have been having problems making ends meet. The quality of my ID is brand new. It's not going to get any better than following very close to the instructions they give I have completed what they ask but they continue to insist they can not verify my identity. I requested to speak to the senior representative and he says he has the authority to handle my case, and I asked what on my ID he could not read. He did not know but said the document verification department is the one who says it's verified or not. I asked him to look at it to see what can't he read but he said he doesn't have access to that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To whom this may concern, I m contacting you guys in regards to a problem I'm having with Midland Funding LLC. 

I have contacted the company several time trying to pay the debt owe on my account from XXXX XXXX XXXX  ACCT # XXXX. 
Date XXXX XX/XX/XXXX Balance updated XX/XX/XXXX I don't recalled receiving a letter from this organization or it may have inadvertently got misplaced. 
I've been trying to pay and get some information in regards to my accounts and I'm been told that they don't have any information on file with my social security and my phone number. I was told that the company is updating file from Midland Funding LLC to Midland Credit. They should make provision so that I as a consumer should not affect me getting information regards to credit and also trying to resolved the issue. I was giving several phone # and spoke to several representative who did not help.I 'm trying to clean up my credit and I'm getting the run a run from the folks at Midland Funding and Midland Credit Management. I was also told that they can't help me if I don't have a MCM number and I trying to pay the balance owe so I can improved my credit rating. I have contacted there offices over ten times since yesterday and today with no answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation