vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-21 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:
On XX/XX/22 I sent a certified letter to TRANSUNION disputing the accuracy of account XXXX XXXX # XXXX due to inaccurate dates on the account and a blatant attempt by the collection agency to try to re-age the account which is a clear violation of the FCRA XXXX TRANSUNION stated the account was properly investigated. I am disputing the validity of their " investigation '' because the " Date Opened '' is still inaccurate, and the " Date of Last Activity '' is also innacurate ( please see attached pictures of the XXXX credit bureaus showing different dates for " Date Opened and Date of Last Activity. '' These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. 

Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states if items are inaccurate or can not be thoroughly verified, the Consumer Reporting agencies shall promptly delete the account from the consumer 's credit file. 

They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have XXXX days to notify me they have received my dispute- they did not.

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 2022-05-21 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: Southwest Recovery Services, Inc.
State: OH

Complaint narrative:
I have come to the conclusion that Southwest Recovery is not a legit company. I called and spoke to a lady named XXXX back in XXXX. I explained to her that the amount they are reporting to the credit bureaus are incorrect. The email they sent me of what the property management sent them that I owed I already had. We went over the statement, and I told her what I owed. She said she would call the property management and get back with me. She never did so I called back and talked to the owne, r XXXX who is very unprofessional. 

At first, he tried to tell me he didn't have an account with XXXX XXXX. He tried to argue me down. I told him I talked to a lady named XXXX and to look at the notes in the system. He checked and seen that I indeed talked to her. I asked what was the status of her talking to the property management? Of course, he was clueless. I told him how I'm willing to pay what I owe but the amount is wrong. He flat out told me there was nothing he could do, and I would have to pay the whole amount. I said no. I also asked if we came to an agreement can I get something in writing saying they would delete the account from my credit report, he claimed they don't send letters out like that, but when I called back and talked to another guy he claimed once the debt was paid he would send a letter out saying the debt was paid. 

XX/XX/2022, I get a settlement email out the blue saying they would take 25 % off the debt. The original amount is {$3600.00}. They know I'm desperate because I am trying to rent a house. I was willing to take the settlement so they could remove the debt off my credit reports but then when I called they said the offer was only good for that day and I have to pay it in full. 

How they don't want to listen to me and hear what I do owe but want to settle for an amount that they pulled out the air knowing they bought my debt for pennies on the dollar? I'm not about to pay for debt I know for a fact I don't owe. I'm going to keep disputing this to all credit bureaus until this issue is rectified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I did not consent to nor authorize, nor benefit from the account XXXX of Midland Credit Management , Inc.. Block and Remove account XXXX. 
XXXX XXXX President/CEO and XXXX XXXX Division Manager of Midland Credit Management , Inc . is using unlawful extortionate means to commit abusive, deceptive, and unfair debt collection practices in order to bring harm to me for an alleged debt that has not been validated. All of Midland Credit Management , Inc. management, supervisors, and employees are in violation of a Cease-and-Desist order and are continuing to invade my individual privacy despite not validating this alleged debt per Federal Law. Pursuant 15 USC 1692g ( c ). I have not validated this alleged debt and my failure to dispute the validity of this debt shall not be construed as an admission of liability. Midland Credit Management , Inc. are in violation of 15 USC 1692d ( 4 ) for debt parking and 18 USC 1028A for aggravated identity theft for furnishing these alleged debts to my consumer report that has not been validated.

As in violation to 15 U.S.C. Section 1692 ( a ), Midland Credit Management has no right to commit fraud and send my information to debt collectors. My request is immediate removal of all Midland Credit Management from my personal credit report. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Since XX/XX/2022, my checking account has been assessed a - {$25.00} monthly service fee. The account has existed for years and had never been subjected to such a fee. Citibank claims this fee was assessed because the balance in the account was below the " minimum '' requirement and, allegedly, I agreed to such a fee when opening the account. 

The balance in these accounts has remained stable. In other words, there were no withdrawals in the years leading up to such fee assessments. Why did the monthly service fees suddenly start in XX/XX/2022? 

Upon calling and bringing this matter to Citibank 's attention, I learned that Citibank had unilaterally transferred this checking account ( and a savings account of mine ) to inactive status. This was despite my consistent monitoring of the accounts via the Citibank mobile app and Citibank website. 

In order to switch the account back to " active '' status, I was told to mail a signed declaration to Citibank 's service center requesting they " update my date of last contact ''. I followed these directions and the accounts are now active ; however, requests for reimbursement of those monthly service fees assessed while my accounts were in " inactive status '' have been repeatedly denied.

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 2022-05-21 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : Upon inspection of my credit report I noticed the following personal information is incorrect : My full name is : XXXX XXXX There should be no other name listed please remove any other that remain My current address is : XXXX XXXX XXXX XXXX Pa XXXX There should be no other address listed please remove any other that remaim XXXX XXXX XXXX  : XXXX XXXX XXXX  My phone is number : XXXX Please update your records properly Regards 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 2022-05-21 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : Upon inspection of my credit report I noticed the following personal information is incorrect : My full name is : XXXX XXXX There should be no other name listed please remove any other that remain My current address is : XXXX XXXX XXXX XXXX Pa XXXX There should be no other address listed please remove any other that remaim XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My phone is number : XXXX Please update your records properly Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: TX

Complaint narrative:
I have contacted TransUnion multiple times to remove this account from my credit report it is involved in a Federal Law Suit for fraud committed against me. 

Please open the attachments below included is the Federal District Court Docket that proves this account is fraudulent. 

Account number with TransUnion is 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 2022-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Trident Asset Management, L.L.C.
State: IN

Complaint narrative:
It is a credit card. I applied for the card, received it. Then they said I didn't pay the fee to start the card. I paid the fee. so, they shut the card off, i used it once and it was for like XXXX dollars, and then they shut it off and started sending mail, calling and letters. I am not going to pay for a card i used once and then they shut it off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: Siggi LLC
State: VA

Complaint narrative:
I had a loan with omni financial in 2018, while stationed in XXXX XXXX with the XXXX. I have paid off the loan but I have a second loan that I do not recall getting and it keeps reporting on my score and the balance continuously increases by XXXX every week. 
I tried to call them and got a lady who was extremely rude. Would not give me details over the phone and then hung up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: PA

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. 
I feel like I am being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. 
it has been over 60 days so they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you cause me. 
my information was also impacted by the XXXX data breach and may have got into the hands of the wrong person

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 2022-05-21 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: PA

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. 
I feel like I am being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. 
it has been over 60 days so they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you cause me. 
my information was also impacted by the XXXX data breach and may have got into the hands of the wrong person

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 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 I was alerted of my online banking login being accessed by someone who wasnt me I immediately reported it to my bank instead of them helping me they took my money overdrafted my account gave me the run around all week havent even allowed me to access my own account only for them to close my account when Im the victim of a scam was told I was apart of the Scam this is and when I asked for my account to be escalated to a manager or the highest person who can handle the situation I find it funny and convenient that now the accounts closed

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 2022-05-21 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: MS

Complaint narrative:
I did not consent to, authorize, nor benefit from the following inquiries. Block and remove them. 
XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NC

Complaint narrative:
I have tried talking with my mortgage company XXXX The Money Source. For a couple months now. I have been trying to get a loan modification after a year behind in mortgage payments. Due to the death of my wife and employment problems during the covid crisis. They have sent documents several times so that i may have a notary execute them. But they continue to add my wife to the paper work and the notary can not help me since my wife 's name is still on the documents. I have filled out there mortgage assistance forms and sent in my wifes death certificate numerous times. Now after many months they inform me i might need a probate. But ac ording to NC law and attorneys. Probate is not needed if jointly owned. I also on many occasions asked for more clarification and to talk with a supervisor. I am promised a call back since no leadership is available hiwhile i call. But no call back comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
It is a credit card. I applied for the card, received it. Then they said I didn't pay the fee to start the card. I paid the fee. so, they shut the card off, i used it once and it was for like XXXX dollars, and then they shut it off and started sending mail, calling and letters. I am not going to pay for a card i used once and then they shut it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I bought used car from XXXX with approved credit and paying timely monthly payments but due to high interest I applied PNC bank auto refinance loan with co applicants. My credit score XXXX XXXX and co applicant credit score XXXX XXXX and they denied credit base on key factors that adversely your credit score for both applicants are exactly SAME, when I called representative said me you did not put CASH DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: NY

Complaint narrative:
I WAS REVIEWING MY CREDIT REPORT AND I SAW FEW ACCOUNTS WHICH I DIDN'T RECOGNIZE, I BELIVE, THAT SOMEONE USED MY PERSONAL INFORMATION AND APPLIED FOR THESE COMPANIES, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS OR DOCUMENTS WITH MY SIGNATURE, I LOST MY WALLET FEW MONTH AGO, THAT'S WHY I BELIEVE I WAS VICTIM OF 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 2022-05-21 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: TX

Complaint narrative:
I have contacted Equifax multiple times to remove this account from my credit report it is involved in a Federal Law Suit for fraud committed against me. 

Please open the attachment below included is the Federal District Court Docket that proves this account is fraudulent. 

Account number with Equifax is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following account has violated my rights. 

Account Name Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-05-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following account has violated my rights. 

Account Name Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Financial Business and Consumer Solutions.
State: IN

Complaint narrative:
XXXX XXXX account gas card. had the card and stopped using the card because of job lose. they wont work with me and is selling the account to other companies and they are trying to get me to pay it. i cant pay it i had to stop working and am on a fixed income,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2022, my checking account was assessed a - {$12.00} monthly service fee. At the time the fee was assessed, the account had a balance of {$5500.00}. 

Citibank claim that the fee was a result of the account not having a sufficient minimum balance ( of {$1500.00} ). 

On XX/XX/2022, I transferred {$5000.00} to the account. 

Citibank have refused to reimburse this fee.

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