vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On or around XX/XX/XXXX, I decided to try and repair my credit/remove any inaccuracies that may have appeared.I found several accounts/addresses that were inaccurate, XXXX, XXXX had ( s ) fraud alerts that were most certainly not authorized.I sent dispute letters to XXXX, XXXX, Transunion and account holders via certified mail. days later, I sent a second round of letters disputing incorrect information XX/XX/XXXX just to get a response that all my accounts have been 'Validated/Verified '' .I have a XXXX XXXX closed derogatory on Transunion ( {$260.00} ) and a collection for that same derog on XXXX., In my dispute letters, I mentioned I wanted to know their verification/validation method, never got a response from any of the three bureaus in that regard.I have a closed derogatory XXXX XXXX XXXX card from XX/XX/XXXX for the princely sum of {$260.00} along with 67 charge-offs that has been " Validated '' and reporting on all three CB..I contacted the original creditors and what I got in return was evidence that they have no valid evidence I ever owed this debt, nor any valid reason this is still on my credit 8yrs,2mo later.I have a medical collection for XXXX on my credit from a agency that violated my HIPPA rights ( using stolen medical information to collect ) ..Just like a lot of people, I got scammed into signing up for student loans with the promises of job placement, better life ect.Every time I dispute these items, My balances raise or lower by the exact same amount ( XXXX $ ) .If these numbers are legitimate, how is that possible? Interest alone dictates this to be impossible.I apparently have a student loan for XXXX $ with 56 late payments..How is this nonsensical jibberish allowed to be posted to my consumer credit accounts? They ask the people that claim you owe them money if you owe, they of course say yes and that's the end of it? No original instuments of indebtness, No HIPPA realeases, FCRA violations 15 ways from sunday.

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 2019-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been disputing this account listed with Citibank/Best Buy for well over a year. During this time Best Buy has been reporting a monthly charge off and a balance owed to them of {$450.00} when they have sold the account to a collection agency, XXXX XXXX XXXX. There should not be a balance on an account that has been sold to collection agency.

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 2019-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This account was opened fraudulently by I never lived at address where account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
1. I requested a XXXX transfer on my Adv Plus Banking account ending in XXXX and was disclosed a {$1.00} fee per the screenshot then when the transaction was complete a {$3.00} fee was withdrawn from my personal Adv Plus Banking account ending in XXXX. Requesting a {$2.00} refund to my personal checking account, 2. On my business fundamentals checking account ending in XXXX was charged 2 x {$35.00} overdraft fees on checks that have not been cashed and scheduled to be deducted from my account in XXXX not XXXX. The bill pay was withdrawn on XX/XX/XXXX. 

We are active military and requesting that both {$35.00} overdraft fees on my business checking account ending in XXXX be refunded along with the {$15.00} monthly service fee ( total {$90.00} )

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 2019-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/2019, I initiated a transfer via XXXX from my Citizen 's bank account in the amount of {$610.00} to my XXXX  XXXX XXXX Checking account. I received confirmation that the amount was sent and I accessed my XXXX  account a few minutes later when I didn't receive a confirmation email from either bank. The funds were not in my XXXX  account so I checked my Citizen 's bank account again and on the activity page it showed that the payment failed. The funds were not back in my account. I contacted Citizens Bank  concerning the matter and they advised me that XXXX denied the funds and when they receive them back they will credit it back to my account. Since then I have been sent back and forth between XXXX and Citizens bank to different departments and I still do not have my money back in my account. Each bank blames the other and now I have no funds to go to work or my weekly physical therapy appointment. This has been a nightmare and neither institution seems to care or know where my money is. This is the 1st day that I have missed from this situation and I will not be getting paid for this missed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Bank Of America credit card ending in XXXX had a fraudulent charge of {$110.00} at a XXXX has Station over 45 days ago. Bank of America has denied my claim citing that it was because the charge occurred in my " geographic region ''. 

Bank of America sent me a new credit card for XXXX before the fraud charge occurred because of merchant I used the card at Unfortunately I did not get a chance to activate the new card until after the fraudulent charge. 

I have spent 6 hours in total on the phone with the bank 's fraud department. They have now reopened my claim and keep giving me the run around. They will not even credit me the {$110.00} to my account while they investigate. 

I have submitted proof to the bank that I was in Key West, FL on the date of the fraudulent charge because I was using another Bank Of America credit card ending in XXXX. 

I have spoke with numerous supervisors including XXXX most recently. This is deeply disappointing because I have significant assets with the bank and have been a loyal customer for over 15 years.

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 2019-12-02 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: GA

Complaint narrative:
XXXX Trans Union XXXX Derogatory marks View all accounts COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2019 {$250.00}

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 2019-12-02 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: Self Lender Inc
State: IN

Complaint narrative:
I have been having issues with my credit report, somebody put 2 credit cards in my NAME THAT I NEVER AUTHORIZED signed for EVER! One named XXXX XXXX, the other being XXXX  XXXX XXXX   XXXX. I have disputed this information with the bureaus and with the company, I am a male, a female has done this without my authorization, there should only be medical bills and student loans on my credit report, I have no credit nothing in my name at all. You should all investigate what IP address was used as well as signatures used because I NEVER signed for anything. I would like to get this resolved, its reflecting on all my bureaus and hindering me, I want this to be thoroughly investigated and removed and or associated with my name immediately. I also want them deleted from each bureau and I would like an updated copy reflecting that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I've been depositing my paycheck with the USAA Mobile App every month since XX/XX/2019. Deposits on payday are approximately {$6000.00}. Every time, there is a {$1000.00} hold of the the {$6000.00}. That is not the problem. On XX/XX/2019, I deposited my paycheck of {$6000.00}. A hold was placed on {$5500.00}. This hold has prevented me from paying rent and bills. I trusted the bank. They always held only {$1000.00}. I work for the XXXX of XXXX. My checks are not from an unknown source. I spoke with USAA Monday, XX/XX/2019 and escalated by call as high as I could go for all the representatives to tell me there is nothing they can do about it and the hold will be in place until XX/XX/XXXX. There was no information when I deposited that possibly this much money would be placed in a hold. 

Is it true the bank can not remove the hold? Is it impossible?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
We are behind on our mortgage payments. Our application is in Loss Mitigation awaiting my hardship letter which I sent last week. I called to pay XXXX $ this morning and Guild would not take it. 
I would like a letter stating why I wasnt allowed to make a partial payment. We are trying to do everything we can to keep our house and not being able to pay was not what we expected from your company who states they try to keep people in their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: IN

Complaint narrative:
I have been having issues with my credit report, somebody put 2 credit cards in my NAME THAT I NEVER AUTHORIZED signed for EVER! One named XXXX XXXX, the other being XXXX XXXX XXXX XXXX. I have disputed this information with the bureaus and with the company, I am a male, a female has done this without my authorization, there should only be medical bills and student loans on my credit report, I have no credit nothing in my name at all. You should all investigate what IP address was used as well as signatures used because I NEVER signed for anything. I would like to get this resolved, its reflecting on all my bureaus and hindering me, I want this to be thoroughly investigated and removed and or associated with my name immediately. I also want them deleted from each bureau and I would like an updated copy reflecting 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 non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I was laid off XX/XX/XXXX but started working again on and on XX/XX/XXXX. On XX/XX/XXXX, I contacted Toyota Financial Services ( TFS ) requesting assistance and received a deferment. After noticing that I need more time, I contacted TFS prior to 30 days requesting another 2-month extension. The representative set up the deferment fee for XX/XX/XXXX and explained this was the latest date that I can submit before it affects my credit rating. This was important to me because I did not want my credit affected especially while I was in the process of refinancing my home. 

During the first transaction, a payment was processed immediately. The second payment was set up for a draft which I was later told I should have sent the agreement back signed. According to Manager XXXX, who's reasons for not removing the delinquent mark changed stated that the agreement does not state that if I do not turn the form within a certain time period TFS will report you to the bureaus. She explained that the program is set up for delaying payments not protecting your credit. My concern that I was NEVER told my credit was in jeopardy until today. I also asked XXXX to send me the 2nd signed agreement which states that I had until XX/XX/XXXX to send in the agreement. TFS is refusing to remove the 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reliant Capital Solutions, LLC
State: CA

Complaint narrative:
They called my number and left a voicemail ( that I kept ) that starts out, " Oh my XXXX XXXX. This is an important message from Reliant Capital Solutions a call from a debt collector. Please return this call at XXXX ext XXXX. 

They left no name of the individual. 

If someone would like to hear the message, I can always forward or someone can call me and listen to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 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: IN

Complaint narrative:
I have been having issues with my credit report, somebody put 2 credit cards in my NAME THAT I NEVER AUTHORIZED signed for EVER! One named XXXX XXXX, the other being XXXX XXXX XXXX XXXX. I have disputed this information with the bureaus and with the company, I am a male, a female has done this without my authorization, there should only be medical bills and student loans on my credit report, I have no credit nothing in my name at all. You should all investigate what IP address was used as well as signatures used because I NEVER signed for anything. I would like to get this resolved, its reflecting on all my bureaus and hindering me, I want this to be thoroughly investigated and removed and or associated with my name immediately. I also want them deleted from each bureau and I would like an updated copy reflecting 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 2019-12-02 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: IN

Complaint narrative:
I have been having issues with my credit report, somebody put 2 credit cards in my NAME THAT I NEVER AUTHORIZED signed for EVER! One named XXXX XXXX, the other being XXXX XXXX XXXX XXXX. I have disputed this information with the bureaus and with the company, I am a male, a female has done this without my authorization, there should only be medical bills and student loans on my credit report, I have no credit nothing in my name at all. You should all investigate what IP address was used as well as signatures used because I NEVER signed for anything. I would like to get this resolved, its reflecting on all my bureaus and hindering me, I want this to be thoroughly investigated and removed and or associated with my name immediately. I also want them deleted from each bureau and I would like an updated copy reflecting that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/XXXX I was notified by XXXX XXXX that there was a hard inquiry from XXXX XXXX XXXX XXXX , XXXX on my Equifax report. This is a fraudulent inquiry as I did not sign up for XXXX XXXX XXXX XXXX or have anything to do with this. I completed an online dispute on XX/XX/XXXX Confirmation Number : XXXX. I was never able to check the status of the dispute because Equifax was " unable to locate a credit file ''. XX/XX/XXXX I got married and changed my name. I gave Equifax all of the information over the phone trying to use my maiden name and married name with no success. I had called 4 more times over the course of months until XX/XX/XXXX at the advice of a phone operator I faxed a name change and address update letter. I included my marriage certificate, social security card, driver 's license, and a cover letter. I received a letter from Equifax letting me know that a name has been added to my credit report. I called again as I am unable to log in online to an account that I created and was told that they were still " unable to locate a credit file ''. This is simply untrue. I applied for a mortgage in XXXX and have had 2 credit inquiries from my mortgage company this year. Again on XX/XX/XXXX I submitted another fax to the " Disputes or Freeze Department '' to request access to my online account and to dispute the XXXX XXXX XXXX hard inquiry. This fax included all of my identification information that I had sent in the previous fax. I received a letter sent to my maiden name asking for my social security card and a driver 's license, which I had sent. I feel as if I am out of options dealing with Equifax as they refuse to help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: WA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

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