vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened up a checking account with SunTrust bank on XX/XX/XXXX. 

On XX/XX/XXXX of the same year, I had not been able to access my online account for a couple of days, so I contacted my bank, via their customer service line. I was informed that my account was under review and my account was unavailable for withdrawals and that SunTrust had also decided to close my account as well. When I asked why my account had been frozen, no reason was given. I was informed that my local branch may have the reason instead. So, I drove to my local branch, where I was told that they could not access or provide any specific reason why my account was being frozen, reviewed, or closed. I was informed that funds would be mailed to me once the review and closure was completed. When I asked for a timeframe, as I need that money to pay rent and bills, I was informed that there wasn't one. The only thing I could do was to just keep following up with the 1-800 corporate number. My current balance, as of today, is {$2200.00} and I was told repeatedly, in person and over the phone, that there is no way to give me my money. 
The best explanation I received was that my account was being closed for " loss prevention ''. Plus, once this " review '' is completed, the only assurance I have received is that my " remaining '' balance will be mailed to me. I have received no assurances that my current balance will be returned, only whatever remains after they decide how much of my own money that I get to keep. I have never had a negative balance, overdrawn my account, or been charged any penalty fees of any sort. I have no court judgments and owe no creditors money. I was also never contacted in regard to this action. The only way I even found out was because, of my own volition, I contacted customer service regarding my account. How am I supposed to pay my rent, which is due on the XXXX of each month, when my bank, for no reason that they can provide to me, froze my account funds for an unspecified amount of time and took my money, so that they can use it in various aggressive investment? My money has been held unjustly. I am not a criminal. I am a low income XXXX female that has been collecting unemployment. This is an unlawful garnishment of my government provided unemployment income. These people claim to " care '' about XXXX justice, but in practice we are just pockets for them to rob from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: IL

Complaint narrative:
I did not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX  data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: NC

Complaint narrative:
I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello CFPB XXXX XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX This is concerning a Bankruptcy that still remains on my credit report. I sent them information from the UNITED STATES BANKRUPTCY XXXX XXXX XXXX OF OHIO  The clerk of the court sent me a letter stating that U.S. Bankruptcy Court does not report case information to credit reporting agencies. These reporting agencies independently access this public information for their use. They told me originally that this information was reported by the U.S. Bankruptcy Court and that's the way it's reading on my credit report. Know they are trying to say it was reported by public information how is a Third party reliable and or honest. They were originally contacted about this in XXXX of 2021 and so was XXXX XXXX and Equifax. XXXX  received the same letter and in less than 30 days they sent me a letter in the mail stating that they couldn't verify this information and removed it immediately. I sent XXXX  and Equifax a copy of the letter and a copy of the letter from U.S. Bankruptcy Court and know they are still trying to say that the Bankruptcy has been verified by the source If I'm not mistaken the only source is the U.S. Bankruptcy Court so how is that so. I also requested for them to send me a copy of who verified this information and they refuse to send me the requested information who verified this Bankruptcy.

So if it was verified why can't they send me the information as to who verified it. My question is how can they have it both way first they say it The U.S. BANKRUPTCY COURT that reported know they say it's public information. That don't make any sense how can public information report itself don't make any sense at all. Why are they allowed to put information on a credit report and LIE about it. So if they are lying about who put it on there than it was put on there illegally in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: CITIBANK, N.A.
State: MT

Complaint narrative:
Improper, unsolicited, unwarranted, and incorrect basis to close my 28 year account with Conoco Phillips during which I never, ever was late or missed a payment ... 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 2021-04-28 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: I.C. System, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ... I C SYSTEM ( Original Creditor : XXXX XXXX ) XXXXXXXX ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
In XXXX, I refinanced my property with XXXX XXXX XXXX , XXXX. I have had my property since XXXX when I originally purchased it. After my refi was approved and closed, XXXX XXXX XXXX transferred the servicing of the loan to Caliber Home Loans. Towards end of XXXX, caliber home loans did an escrow analysis which resulted to them increasing my monthly mortgage payments from {$1400.00} to {$1500.00}. I have always made my payments without being late or missing any payments. However, with the interest rates going down, I opted to do a streamline refi with XXXX XXXX. I submitted my application and all the required documents and was approved. When XXXX XXXX  requested the payoff statements from Caliber, they ( Caliber ) contacted me and advised me that if I stayed and refinanced with them, they would give me better terms than what was offered by XXXX XXXX. They also told me that the process would be as painless as I would not have to do an appraisal or income verification ( which to me was not a concern ). I went ahead and entertained their idea and applied for a conventional loan for a term of 25 years and locked the rates at 3.15 %. On XX/XX/XXXX, I got a text from Caliber saying that my loan had been conditionally approved and they provided a name and number of the person I should contact should I have any questions. After waiting several days without hearing from them, I contacted the phone number which had been provided and I did not get an answer. I emailed the representative who had working with me through the entire process and he did not respond to my email even after sending several emails. I eventually called an 800 number and was able to speak to a loan officer who after talking to several people internally, was able to direct me to the processor who was working on my loan. After some time, the processor called me and requested multiple documents from me ( although I had originally been told they were not required ). I promptly sent all requested documents within the same day but did not get any acknowledgment from the processor or the underwriter. After 6 days, I sent an email asking if they had everything that was needed from me to which he responded saying that he needed more information and would be sending me an email by the next day. After waiting for a further 4 days without response, I sent another email asking what else was needed and he never responded to me. After waiting with no communication coming my way, I opted to send another email on XX/XX/XXXX highlighting all my concerns and copied the general CFPB email ( XXXX ) and after sending that, I got a response from Caliber saying that they will send me a link to sign the disclosure and answer a couple questions which I did immediately. Since then, I have not received any further communication and I am at a loss of what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received on XX/XX/XXXX a call from XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX at XXXX stating this message was strickly just for me. ( no name given ) There was a complaint filed with 3 allegations and I was urged to call back at XXXX. If I did not I would have an arrest warrant and have the police take strong legal actions. I did not return the call. 
On XX/XX/XXXX received an email from XXXX XXXXXXXX stating this was a final notice I had to send payment in 24 hours or a case would be downloaded against my name & social on XX/XX/XXXX. Legal charges are under section 9 and chapter 19. ( of what?? not stated ) Once the case was downloaded I would receive a court summons on my doorstep. ( has not happened as of today ). Stated : i might be immediately sacked by my employer ( self employed ) as they will be notified. My credit ruined. Wages garnished.. Bank accounts/Credit cards frozen. 
The IRS put a hold on my tax return. ( Someone has used my ss # for XXXX tax filing & I mailed ID theft with XXXX tax return : 180days from XX/XX/XXXX to get answers ) They wanting to know my clear intentions to above mentioned loan account ( no info ) I could contact them at XXXX.replied have wrong person do not contact me. Today I received email from XXXX XXXX attorney XXXX XXXX XXXX XXXX tx billing dept Case # & amount stating I had 4 serious allegations against me at the United Legal Investigation Bureau ( who?? ) Their policy is accts over 180 days to try take care of this bill, giving payment options send payment to XXXX XXXX XXXX or contact at XXXX. My name not used just " you ''. sent back reply : Need to see loan papers/.signature ( dont e-sign ) I did not have payday loan. I only get loans from where I bank. That I would be filing complaint. As attorney would know I would need to be notified before this and have not but a phone call & 1st email. No attempt to provide proof they had the correct person who took a payday loan. Never received any late notices from Ace Cash 6 months ago or longer. 
I HAVE NOT TAKEN A PAYDAY LOAN!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: FL

Complaint narrative:
On or about XX/XX/2019 I noticed multiple accounts listed in my credit file not belonging to me. Upon further research, I learned that my personal identifying information had been used without my consent to acquire credit cards, loans, and to rent apartments. I immediately notified the 3 major credit bureaus that I'm a victim of identity theft and requested that an extended fraud alert be added to my credit file. I completed an FTC Affidavit listing the accounts that were a result of the identity theft, filed a police report with my local police department, and wrote a letter to TransUnion identifying the accounts that were as result of fraud. I requested that the information be immediately blocked pursuant to FCRA 605b. TransUnion and XXXX  continues to report information to my credit file that it has knowledge of being a result of fraud and identity 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 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Received phone call that {$1000.00} was charged to my Amazon account from phone # XXXX XXXX XXXX. Told to call this number on XX/XX/XXXXat XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: NY

Complaint narrative:
EQUIFAX FAILED TO INVESTIGATE MY DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX ... CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX ... CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: AFNI INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX AFNI ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian is charging me to put a freeze on my credit report. its unfair - they should allow me to put a freeze on my account without a charge as it is 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
Consumer complaint received 2021-04-28 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: NY

Complaint narrative:
EXPERIAN FAILED TO INVESTIGATE MY DISPUTE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
On XX/XX/XXXX, I was looking at my bank account and I noticed that {$1000.00} was taken out so I looked at my Venmo account and I noticed there was two payments of {$500.00} each that I did not auhtorize. One was too a XXXX XXXX and the other was to an XXXX. I contacted venmo to see if they could get my money back and today, XX/XX/XXXX I heard back from them saying that it was denied and I was not getting my {$1000.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: FL

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: CA

Complaint narrative:
XXXX XXXX appears on my XXXX report. I disputed and also sent a certified letter to the XXXX XXXX address online for validation and verification of this debt that I have no knowledge of. I requested the following from XXXX XXXX and did not receive any of the documents. 

1 ) Why the collector thinks you owe the debt : Ask who the original creditor is and request documentation that verifies you owe the debt, such as a copy of the original contract. 

2 ) The amount and age of the debt : Ask for a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations. 

3 ) Authority to collect the debt : Ask whether this agency is licensed to collect debt in your state. 

When disputed online with XXXX, they said XXXX XXXX validated debt, but where is this documentation? I have seen nothing. 

I want this removed from my credit history, which is in the 700s.

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