vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
XXXX XXXX I requested to close my account after not being able to log in after my XXXX vacation. I requested account closure and for my remaining balance which is my savings of {$10000.00} to be sent out via check. The bank responded that my remaining funds will be sent to the state of Indiana the source of the funds. Ive had my saving sitting for a year while my other funds were shifted through my checking with no problem I dont understand whos the source other than myself. I was also sent an account article and upon reading the article they legally have to send any remaining balance to the address on file so Ive been waiting for my money and its been almost a month and now the support team has not responded since that was stated XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TRANSUNION. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TRANSUNION has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXInquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/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 2022-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX AND XXXX Credit Bureaus are reporting inaccurate information on MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

MONTEREY COL ( Original Creditor : XXXX CAREER STEP ) account the position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EXPERIAN Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Hello, Ive received another harassment call from a collection company not willing to id themselves however its pretty clear that they are referring to this debt. I have already filed with Colorado small claims and look forward to seeing you in discovery where I will give you a copy of both phone recordings and go over how I feel USAA is using its power to transfer a debt unlimited times to keep harassing me. 

Im new to this so I guess I get to give you the summons myself. Would you like to receive it via email or I do I have to fly down to you hand this? 

Looking forward to meeting you XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have attempted to register as well as determined the balance of the card. When using both the website and calling automated as well as speak with XXXX about how the XXXX and XXXX code is not received no options for {$50.00} to be register or reviewed. XXXX at XXXX states she cant help me with the XXXX code provided on the back nor can anyone else. No where to have someone see the code is stated on the back side.

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 2022-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I submitted a dispute with TransUnion regarding my XXXX XXXX XXXX Mortgage account balance being incorrect. My account with the creditor was paid in full. 
So, I tried to resubmit the dispute with TransUnion and they did not offer a function to include documentation proof. And I tried calling XXXX XXXX XXXX Mortgage regarding them not being honest with these dispute investigations and the representative told me ; to contact the credit reporting companies.

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 2022-02-05 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:
Experian has a XXXX  XXXX XXXX credit card that has been shown open since XX/XX/XXXX under my credit report. 

I've had XXXX other XXXX  credit cardXXXX one that was personal and opened in XX/XX/XXXX, and was closed in XX/XX/XXXX. The other card I was an authorized user but was closed in XX/XX/XXXX. 

I've contacted BoA about a possible card that's open under my name, but they could not find said card under my SSN. I've disputed said account with Experian, but they haven't been able to help. 

XXXX said they would be able to help me if I knew what the account number was, but Experian wouldn't tell me. The account has been open since XX/XX/XXXX, and appeared to be in use, the balance is paid off each month. 

The account is only reported by Experian as far as I know and not the other XXXX credit Bureau

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 2022-02-05 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Release hold on credit cards and accounts. 

XXXX WAS SUPER RUDE, and could not provide federal documents to verify after 2 months of the account opening now you asking for this and military orders. 

I HATE THAT THIS NAVY FEDERAL CREDIT UNION IS ASSOCIATED W/ MILITARY AND BEING TREATED LESS THAN. AS A XXXX XXXX XXXX, I CAN BET MY WHITE counter partners WAS GOT SPOKEN TO, LET ALONE TREATED IN THIS MATTER. 


Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: UT

Complaint narrative:
Prepaidgiftbalance.com is a scam. For XXXX my elderly mother purchased over {$1600.00} worth of cards - XXXX cards total - from XXXX ( XXXX ) in XXXX, UT. When we went to use them EVERYONE had already been spend at a XXXX in California ( we all live in Utah ). 

The XXXX web site does not assist with this issue online. They make you call XXXX. It took almost an hour to reach the first customer rep who " cancels '' the cards ( which is pointless, they've all been fraudently used and have a XXXX dollar balance ) and then transferred me to a " senior Fraud Specialist '' - well that's a joke. I stayed on hold for almost XXXX hours. 

There is no way to get help. My brother in law held for over XXXX hours and did get someone on the phone. She said it would take at least 90 days to resolve and she would be sending paper work out to him to fill out. But when you look online there are THOUSANDS of people that were not able to get help. 

This is outright theft.

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 2022-02-05 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX 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 non-monetary relief
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD

Complaint narrative:
After noticing the collection on my pristine credit report for {$350.00}, i called the creditor identified on the report " Law Offices MBA " with original Creditor as " XXXX XXXX '' on XX/XX/2022 and informing them of the wrong assertion being made against my credibility report, i was asked to file a police report to correct their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 My card didn't work-I went to get gas 2 times. I'm told by customer service there's a hold. I call branch, XXXX, supv. who said call Customer Service back. I had to pay rent and my money was there. Also I noticed a false charge of {$28.00} customer service said was XXXX  XXXX and a " Debit Memo '' for {$50.00} that I tried to put disputes for both through with Supv. XXXX, customer service but she left me on hold.

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 2022-02-05 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I submitted a dispute with XXXX regarding my Wells Fargo Home Mortgage account balance being incorrect. My account with the creditor was paid in full. 
So, I tried to resubmit the dispute with XXXX and they did not offer a function to include documentation proof. And I tried calling Wells Fargo Home Mortgage regarding them not being honest with these dispute investigations and the representative told me ; to contact the credit reporting companies.

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 2022-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Paid balance owed as of XXXX XXXX and tried to close the account. 
Incurred an interest charge on XX/XX/2021 billing cycle as normal, on top of a late fee. 
This went unnoticed by me for a month since I thought the account was closed. 
XXXX XXXX delinquent account reported negatively affecting my credit. 
Have email from XX/XX/2021 stating account was closed. 
Total email count from bank saying account is XXXX balance and closed is XXXX. 
These people are going to try every month to charge interest and late fees on XXXX balance and a closed account until forever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 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: MD

Complaint narrative:
On XX/XX/2021 I sent in a letter regarding inaccurate and incomplete items that are illegally being furnished on my consumer report and still have yet to receive any response from the person allowing these errors. Clearly my disputes are being ignored and not only is that unacceptable but Ive been studying consumer law and these actions are prohibited! One of the federal laws clearly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my consumer report. Plus, there is another federal law they broke that says if these consumer reporting agencies dont have written instructions given by me theyre not suppose to report it anyway. Without my written instructions it is by law supposed to be excluded, which is grounds for deletion because that makes it incomplete not to mention these accounts are in fact inaccurate and I've proven that in my letter. There has been more than enough time to resolve my disputes so they should be deleted promptly immediately and indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2021 I sent in a letter regarding inaccurate and incomplete items that are illegally being furnished on my consumer report and still have yet to receive any response from the person allowing these errors. Clearly my disputes are being ignored and not only is that unacceptable but Ive been studying consumer law and these actions are prohibited! One of the federal laws clearly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my consumer report. Plus, there is another federal law they broke that says if these consumer reporting agencies dont have written instructions given by me theyre not suppose to report it anyway. Without my written instructions it is by law supposed to be excluded, which is grounds for deletion because that makes it incomplete not to mention these accounts are in fact inaccurate and I've proven that in my letter. There has been more than enough time to resolve my disputes so they should be deleted promptly immediately and indefinitely.

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 2022-02-05 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: CA

Complaint narrative:
This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Experian has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with Experian. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b XXXX They have failed to block the accounts, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts removed from my report ASAP. Here are the names of the data furnishers & the account # 's - XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX CarMax Inc received a bill of sale with a acceptance for value, special indorsement and a statement of the facts. XX/XX/XXXX I received two documents, a welcome letter and a notice of Reassignment. Can CarMax please respond to this complaint with a valid contract attached to it. XX/XX/XXXX I have no valid contract.

Company response to consumer: Closed with explanation