vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I contacted CFPB in XXXX concerning this issue. 

Thankfully, the company claimed to delete the issues I stated. I've attached the notice from the company. 

But these charges are STILL appearing on XXXX XXXX. XXXX XXXX claims the company has NOT deleted the items. 

I want them to delete immediate as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
My credit card was used by someone to make 4 unauthorized cash advances in a city about XXXX miles from where I live. The transactions were made XX/XX/XXXX ( 2 transactions ) and XX/XX/XXXX ( 2 transactions ). I called the credit card company on XX/XX/XXXX to report the fraudulent cash advances. They cancelled the fraudulent card and reissued a new card. I was told they would investigate. They were not charging interest so I thought they were investigating the claim. By XX/XX/XXXX, I had not heard anything and I called the company back on XX/XX/XXXX. They did not have any update on the investigation and I had to explain the entire story again. This time they gave me a reference number and told me they would investigate and I would hear something within 1-2 billing cycles. To date, I have not heard from the company and they are charging interest on the cash advances.

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 2022-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Karma, LLC
State: SC

Complaint narrative:
I contacted CFPB in XXXX concerning this issue. 

Thankfully, the company claimed to delete the issues I stated. I've attached the notice from the company. 

But these charges are STILL appearing on Credit Karma. Credit Karma claims the company has NOT deleted the items. 

I want them to delete immediate as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I deposited a local check through my app on my phone and once again my bank hit me with an nsf that I should not have been charged and decided to hold my funds for more than 5 days. This bank does not follow regular banking rules and regulations and violates the laws protecting people from these types of usury. 

( The Expedited Funds Availability Act of XXXX ( EFAA ) mandated that local checks may be held for no more than two business days. After XXXX, all checks in the United States were considered local. The two-day hold has been extended to five days as a reasonable limit for holding local checks. The Federal Reserve requires that a bank hold most checks before crediting the customers account for no longer than a reasonable period of time, which is regarded as two business days for a same-bank check and up to six business days for one drawn on a different bank. Financial institutions may hold on-us items for one business day following the deposit. Many use the term EFAA Regulation interchangeably with ( Reg ) CC. )

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 2022-08-17 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: WA

Complaint narrative:
0n XX/XX/2022 I filed an Experian credit dispute requesting XXXX XXXX XXXX provide documentation validating the reported debt on my credit report. XXXX XXXX XXXXXXXX failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a 2nd and 3rd dispute request on the issue. XXXX XXXX XXXX XXXX failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.

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 2022-08-17 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 — Investigation took more than 30 days
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
This is a fraudulent account, someone opened in my name, several years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I just got my report and I think it is wrong! I opened an American Express card in XXXX. It was closed and I paid it off. The law firm is stating they want funds for a card that was opened in XXXX. They are reporting I was opened in XXXX on my credit report. The firm refuses to give me supporting documents validating the debt. I was told I have the right to have an investigation done. Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Accounts American Express XXXX Contract Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. -- ( A ) IN GENERAL -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Starting in XXXX of XXXX  I have tried on multiple occasions to have my Upgrade account closed and as of this writing my card is still active. I have called Upgrade 's support line four different times and each time was told that my account has been noted but yet my card and account are still active. I emailed their Support center around XX/XX/2021 and was also told my account had been noted but still my card is active. I even submitted a complaint with the XXXX XXXX XXXX and was told someone would be contacting me but I never received a call or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had earlier filed a complaint regarding to TransUnion on XX/XX/2022 that they are reporting incorrect SSN on my credit report asking TransUnion to correct SSN on my credit report. I was requested to send in my SSN card, copy of my driver 's license and a cover letter which I have sent in twice already but when I call to follow up, I do not have any positive response from the credit bureau hence been tossed to and fro over the phone, having conversations with minimum 3-5 representatives all of them giving different informations and ends up giving me different case/file numbers ; # XXXX, XXXX, XXXX. This is hindering my finances and ability to close on my home Please see the attached.

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had earlier filed a complaint regarding to XXXX on XX/XX/2022 that they are reporting incorrect SSN on my credit report asking XXXX to correct SSN on my credit report. I was requested to send in my SSN card, copy of my driver 's license and a cover letter which I have sent in twice already but when I call to follow up, I do not have any positive response from the credit bureau hence been tossed to and fro over the phone, having conversations with minimum 3-5 representatives all of them giving different informations and ends up giving me different case/file numbers ; # XXXX, XXXX, XXXX. This is hindering my finances and ability to close on my home Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: TX

Complaint narrative:
To : Consumer Financial Protection Bureau, Experian is continuously incompliances of the Federal Law, as the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC
State: FL

Complaint narrative:
I was working with their representative very professional and we set up the re-finance a month prior to when we could submit it. once submitted we had a few hoops to jump through i.e. termite inspections and appraisal and a few other normal mortgage details. I was told i would be closing at the end of the month. Then steps in a very unprofessional non organized processing team that seemed to not care and were disgruntled. I had to constantly reach out to the first rep for information and the new team didn't respond or update and seemed to not know how todo their jobs. i had to get the information for them. on 3occasions i was given yes we are going to close tomorrow or today but in the end it took the first rep calling me and explaining. I received no official explanation or apology. this has caused me a financial burden and emotional stress. I tried to work with my current mortgage provider but am unable to due to the credit score drop due to lower. I want to avoid any legal action so a speedy resolution with LOWER is Ideal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: TX

Complaint narrative:
To : Consumer Financial Protection Bureau, Equifax is continuously incompliances of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received an automated email today advising that my account would close due to inactivity with a CEO account. I have never created a CEO account and am concerned this is one of those fake accounts banks fake to make their books look better. 

I am most concerned because my work email was used, and my last name was used. While I bank with Wells Fargo personally, I do not have a business or commercial accounts.

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 2022-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
Approximately six month ago, received a phone call from Montgomery Ward stating that I have an unpaid account and asking for payment. Notified company I did not open an account and was told to file a fraud report on my credit and would receive paperwork in the mail regarding how to file up and complete the fraud report. Montgomery Ward never sent this paperwork despite the fact I asked multiple times. Company continues to call and harass a phone number that is not my primary phone number and refuses to stop using that number. Company calls everyday despite knowing that activity is fraudulent. 

Mont Ward XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A State that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also States consumer Reporting Agency can not furnish a account without my written instructions.

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 2022-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Conduent Incorporated
State: MI

Complaint narrative:
Spoke with representative on XX/XX/2022 and was informed to wait for refund from the fraudulent charge by XXXX in XXXX MI. Contacted customer service on XX/XX/2022 was transferred 7 times, hung up on, and was on the phone trying to get this resolved for over an hour. No one at this agency appears to know how to enter a dispute against XXXX. On XX/XX/2022 I was informed to wait until the XXXX day. On XX/XX/2022 I was informed to wait until 7 days. There needs to be training and coaching on how to handle dispute. Each person validated my information was of no assistance. No manager was available to assist and everyone is working from home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
In XXXX I wanted to closed one of my account at my bank. Instead of the account being closed the bank add a maintenance fee of {$9.00} in XXXX the bank added another {$9.00} maintenance fee. In XXXX the bank gave me a courtesy credit. 
In XXXX the bank when to my active account under phone transfer and removed {$18.00} from my account. When I send an email to the bank requesting to close the account and return my money the email was deleted. Now the bank has not closed the account and doing the process over again, a {$9.00} maintenance fee for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
PNC mortgage lost at least 1 payment during the purchase of my mortgage for another servicer. 

I have contacted PNC bank/mortgage at least 3 different times ( XXXX, XXXX, XXXX ) always being told that 3-5 business day is needed to research the account. 

PNC mortgage has sent me physical documentation/payments of the loan, yet they are still researching. Holding my money hostage. Putting my home and bank account in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
Hi, My XXXX FMLA ( i.e., maternity leave ) goes into a Money Network account ( XXXX ) and I am unable to withdraw it. I have attempted to transfer money out of this account every single day for over 2 weeks and not a XXXX has transferred and no explanation. I started taking screenshots of the confirmations showing that a transfer is scheduled. I'm frustrated NJ moved from Bank XXXX XXXX to Money Network b/c I have no access to my money. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am attempting to work with AidVantage on my federal student loans, and they are ill prepared for the upcoming start of student loans. Furthermore, they are not prepared wit the appropriate legal documentation to explain how XXXX XXXX XXXX consolidated my loans without my approval. These student loans are ITT related, and the company is refusing to work with me. Furthermore, they are claiming they dont have managers on staff, the call center reps are rude, and put people on hold for extended periods of time. Ive been on hold for over an hour to try to talk to supervisor to get things worked out and its a joke. Its no wonder why people dont want to student loans any futher.

Company response to consumer: Closed with explanation