vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 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: TX

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
So basically, they sent my information to third parties who were never authorized or allowed to have my financial information, and I had never worked for. 

I do owe the debt, but the contesting means is due to how they went about business, as well as the fact they went to a court without any notification at all and just showed up with a garnishment. 

And now their lawfirm XXXX XXXX, XXXX  XXXX XXXX. has the case, for which they deliberately refused to accept payment over the phone even when I had the entire balance in whole at the time. 

Refusing to take payment over the phone, and the online credit card system that they have would not accept my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Technically the debt in question is because of a Doctor visit I had in XXXX. What the problem is, is I am on XXXX and I submitted both my XXXX  and XXXX  cards to both the doctors office and the debt collection company over two years ago. I contacted XXXX and they said if any claims were submitted they paid them. They also said they have NOT received any claims for this particular bill. When I sent the copies of the cards to the debt collection company 2 years ago. They sent back the paperwork from my Doctors office detailing the services I received from their office. Which I thought was against Hippa! Well it is now 5 years pass the date of delinquency for Oklahoma Statute of Limitations and neither the debt collector or the Doctors office ever filed a claim and now Equifax is refusing to remove the account off my credit. So I have done my part in all this and now have resorted in contacting this office. Also on my Equifax consumer notes I wrote on there 2 years ago about sending the debt collectors my insurance and it is still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello! 

There was a fraud on my debit card 3 times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, {$700.00} each time, which equals up to {$2100.00} in money that was stolen from me and that I haven't received back. I made a claim with my bank ( Wells Fargo ) and they denied it. They stated and sent documentation on why they denied me and they stated : The transactions were made using your card and Personal Identification Number ( PIN ), we found to was made by you or someone who had your permission, please consider your claim closed '' I have never lost my card, never my phone, never given anyone any bank information, so I don't understand how that's possible. I've just filed a police report as well in order to prove that I'm the real victim who's a XXXX XXXX  and desperately need my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I Filed a dispute in regards to the incorrect items on my credit report its been well over 30 days and i haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On or about XX/XX/2020 I received a SBA loan deposit into my bank account in the amount of {$100000.00} that issued by the SBA. It has been several months now that I haven't had access to my account. They have requested information regarding the deposit which I have provided but as of this date I have yet to have access to my funds. I have tried repeatedly to speak to a branch manager and was told that they were unavailable to spake to me. I have a agreement with SBA not the Bank in regards to the bank, however the bank refuse to release the funds and have stated that the funds will be sent back for no reason. I would like my funds to be release immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I have a CashApp account. It is connected to my XXXX banking account. Prior to XX/XX/XXXX, I regularly transferred money from my CashApp account to my XXXX account XXXX XXXX XXXX via their 2-day transfer option, without paying any fees. 

In XX/XX/XXXX, I started running into problems using XXXX to transfer money out of my CashApp account. I have made 7 attempts to XXXX. Of the 7, only 1 was successful. The 1 successful attempt occurred when I opted for an instant transfer and paid the associated processing fee. Every attempt to complete a 2-day transfer has been returned to me with a note that the transfer was denied by XXXX. However, this is the same XXXX who apparently accepted an instant Cashout with no trouble. 

The XXXX attempts are below : 1 ) Unsuccessful - {$1700.00} via 2-day on XXXX 2 ) Unsuccessful - {$1700.00} via 2-day on XXXX 3 ) Successful - {$1.00} via instant on XXXX 4 ) Unsuccessful - {$1600.00} via 2-day on XXXX 5 ) Unsuccessful - {$1.00} via 2-day on XXXX 6 ) Unsuccessful - {$10.00} via 2-day on XXXX 7 ) Unsuccessful - {$1600.00} via 2-day on XXXX -- > This was cancelled by CashApp representative XXXX XXXX in response to my request for assistance in getting my XXXX  successfully completed. 

I contacted XXXX on XXXX. They checked my account and assured me there is nothing blocking my incoming transfer. I have attempted to contact CashApp on XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. They only have email support available, there is no one I can speak to. Additionally, they have not been helpful. They have actually gone through and rejected my XXXX requests or given me the steps to submit one although they can see the submitted ( and denied XXXX request right in the queue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I have a credit inquiry from Flagship Credit from XX/XX/2020. 
I have had no prior knowledge of this credit agency nor any prior contact. 
Ive tried to contact the company by calling the number listed on their website. I was unable to speak to a real person. The automated system kept asking for my account number or my social security number. I dont even know this company to give them my social. 
This is not a credit inquiry made by myself. I want this inquiry removed from my report. As this had brought down my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My husband and I purchased a home in XXXX, 2020. We have reached out to PenFed multiple times to inquire why our mortgage is not showing on our credit report. The representatives have stated they do not know how to escalate this issue. I was able to reach someone today who stated she would open a ticket but could not provide a reference number. Our mortgage needs to reflect on our credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tribal Lending Enterprise, Inc.
State: NJ

Complaint narrative:
Mountain summit Financial attempted to collect a debt from me which I never applied for nor did I receive any proceeds from. I attempted to resolve with them via phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As requested I emailed complaints@mountainsummitfinancial.com and did not receive a response. On XX/XX/XXXX they sent me an email asking for multiple pieces of information. Due to the fraudulent nature of this situation my local police in XXXX XXXX NJ directed me to enter a Identity Theft report with the XXXX XXXX NJ Police Department ( phone-XXXX ). The Case Number is XXXX. The police have instructed me to not provide any additional information to Mountain Summit Financial at this time. I can get no resolution to my situation. When I call they insist I email and my emails go unanswered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
We paid an account in full with Comenity Bank for XXXX credit card after experiencing a few later payments due to hospitalization from covid-19. When we paid the account in full the creditor agreed to remove the lates they reported to all three credit bureaus due to our extenuating circumstances related to covid-19 because we had a great payment history prior to these events. The bank has still not removed the late payments as they agreed even though we paid the account in full as we agreed and we would like to have this remedied as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC System, Inc. is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX Account # XXXX ) The account was opened in the state of Georgia. I live in California. I have never lived outside of California nor have I ever cosigned for anyone to open an account. 
The said action appears on my credit report. At this point, it is preventing me from refinancing my home. I have disputed the action with XXXX, IC System and XXXX Neither XXXX nor ICS has provided me with documentation of the said account, nor the names of the account holders. I am requesting this account be removed from my credit report. The total debt is {$1100.00}. I have been advised by 2 different Mortgage companies ( XXXX and XXXX ) to pay the balance so we could resume the refinance process. It feels like big business extortion to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase Marriott Card XX/XX/2020 Caller left me a voicemail regarding a correspondence along with a phone number to call them back. Called phone number and spoke with agent. She would not connect me with the other party, nor provide details to what the original call pertained to. 

Representative kept repeating the same question and telling me I was being argumentative and unwilling to provide her with the details she needed to connect the call the correct party even though I provided a word-for-word account of the message that was left for me. 

Representative then threatened to take immediate negative action on my account if I would not set up a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
It must have been XXXX or XXXX. Someone attempted to deposit a check into my bank account after my debit card was stolen. I was not aware of this until Bank of America put a hold on my account due to this issue. I went into a branch a few time and was told that my account was closed and had a negative balance. I filed an appeal and was still turned down. In XXXX I could not open a bank account and decided that I would go ahead and pay the negative balance so that I could move forward with a new account at another bank. I did so and was never informed about a database that had my name attached to bank fraud. I didnt know about this until today. I called BOA and spoke with the fraud department and was advised that this matter was going to remain as it is and theres no solution to having it removed. I really dont know what to do. I have tried to explain that Ive never done any fraudulent activity with any banks. Im almost XXXX years old and I just want to open another account to manage my finances. Things have been very difficult for me because of all of this. It just seems so unfair that no one will listen or understand my position regarding this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: VW Credit
State: NY

Complaint narrative:
Audi Financial Services provided a deceptive account statement, recorded my bankruptcy reaffirmation and then shut down access to online payments as well as discontinued sending additional billing statements. 

Please see the attached last billing statement that reflects 59 payments made and one remaining. The last payment or 60th payment was made on XX/XX/2018. Audi Financial Services proceeded to charge off my loan without any notification when it should have been paid in full. 

I have since paid the charge off as result of the substantial harm to my credit and ability to obtain additional financing. Note the date on the statement is XXXX XXXX-what year is that? 

Also, it has been over 60 days since I paid the disputed charge off and I have still not received a satisfaction of lien or paid in full contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: LEXISNEXIS
State: TX

Complaint narrative:
remove address not mine XXXX XXXX XXXX XXXX XXXX everthing not XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: VI

Complaint narrative:
I had applied for an Amazon store card around 2014 for the purpose of rebuilding credit. I never used the card and was very surprised that when I went to XXXX XXXX XXXX XXXX XXXX for a XXXX dollar loan, they told me that I had a bad account on my credit report that I must pay before they can give me the loan. So, here it is, I had never used the card but it was delinquent and now I must pay for something that I dont know about. So, I paid the loan, thinking that it was going to go away and it never did. So, I have been asking Amazon to send me the documents to prove that I have received goods or services tied to that card and they have never sent me any. I also contacted synchrony bank for validation and they told me that they would investigate the matter then contact me and they never did and I have continued to seek answers from the creditors and they never answer me nor provide proof that it was me who made the charges to the card or whom ever made the charges and to whom or where the packages were shipped. My whole financial world has been destroyed by these people who seems to just dont care about some one else welfare or well being. So, zircon I never used the card and the creditor cant tell me what happened, then why cant I get this thing off my credit report? Please tell me.

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