vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To whom it may concern, this is the response for the previous complain ( XXXX ID : XXXX ) where an check issued by Citibank has not been received but later found cashed by someone else. I have been contacted by Citibank since submitting the complaint on XX/XX/2019 and have provided the executed and notarized document ( Affidavit of non receipt ) to Citibank as request. However, there was no response despite numerous email to the customer service or Citi XXXX. For the ease of reference, please find below for the claim number and card info used during our conversation with Citi Bank Claim Number : XXXX - Citi card ending : XXXX Appreciate for your help last time and kindly assist following up this issue on behalf of us. 
PS. I can be reached by email ( XXXX ) or mobile ( XXXX ) PS. This is my third time reporting this issue to CFPB, however Citibank has been very inactive providing feedback on this issue Best 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 monetary relief
Consumer complaint received 2022-01-04 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 XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to TARGET CARD SERVICES for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & they received it on XXXX. They are now 30+ days late. They are knowingly reporting false misleading information without proper validation. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
I applied for a loan with big picture loans and they gave me a 2000 loan but started taking money out of my bank account before the payment was due causing overdraft fees and so far they havent taken {$1200.00} from me and not one penny has gone to the loan. I offered to pay the loan off subtracting what I have paid and no one bothered to call me back they just keep continuing t take money out of my account they advertise their interest rate is 4 % to 16 % but they have been charging me about 300 %. This has to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANCO POPULAR DE PUERTO RICO
State: NC

Complaint narrative:
Week of XX/XX/2021, I called almost every day to check on the receipt of a {$80.00} bank certified check for payment. I called several times and each time I was told that the check had not been received by the bank. It was not until XX/XX/2021, that a representative with the bank explained to me that the check had been received on XX/XX/2021. I then asked for a supervisor to call me regarding 4-5 other representatives stating that the payment had NOT been received. As I attempted to place a stop payment on the check, that is when the bank admitted that the payment had been received. Since then I have called 4/5 times requesting a supervisor to call me regarding the wrong information that had been given to me for several days by several different representatives. To this day, no one has called me back. Each time I am told a superior is not available and that someone would call be back in 24 hours or 48 hours. No call whatsoever. I will be sending my payments and do not want to be given wrong information and having to go to my bank to verity receipt of the payment via USPS. the employees there appear to be very nonchalant and need serious retraining.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a natural person and a federally protected consumer. On XX/XX/2021, Transunion received my notarized affidavit disputing fraudulent and adverse items on my consumer report. The original notarized affidavit letter is enclosed. 
Transunion negligence has caused me harm, since it has affected my ability to obtain new credit. In pursuant to 15 U.S.Code 1681b, I did not give Transunion written consent to report the listed items on my consumer report. 

Under the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( A ), you had 30 days from receipt of this letter to respond to my request for reverification of the erroneous items. Since I have not received a reply from you within these 30 days, the information was either inaccurate or could not be reverified, thus according to provisions 15 USC section 1681i ( a ), the items must be deleted immediately. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I am a natural person and I am pursuing my legal rights under 15 USC 1681n, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}. Who gave Transunion permission to furnish a consumer report with my personal private information? I did not give Transunion consent to furnish a consumer report with my personal private information. I am demanding that you produce a contract between I and Transunion showing that I granted you the permission to furnish this consumer report. If you have that information, have a senior executive send me a notarized affidavit stating that I granted permission to Transunion to furnish my consumer 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 2022-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
today XXXX I got a Credit alert on my Bank app saying that I had a Mayor derogatory cause by an account with a company named { Amerifinancial Solutio. 

but i have never contact this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I XXXX XXXX a consumer protected under the federal law has been violated. 
XXXX, XXXX, and Experian have all deleted a XXXX XXXX bankruptcy from my consumer report and reinserted it back under a different reference number. That is a direct violation to the US Code 15 USC 1681i ( 5 ) B ( i ) and 15 USC 1681i ( 5 ) B ( ii ). That is a direct violation of the federal law, nobody every sent me any documentation of the reinsertion. I have the paper work from the Courts that says the dont furnish bankruptcies anyhow.

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 2022-01-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I applied for a auto on XX/XX/XXXX and was horrified to find out XXXX is reporting a XXXX credit score. I have no late pays, no delinquent accounts, no outstanding balances, etc. for about six years. In fact, I have exceptional payment histories for all of my accounts. I have paid in full several accounts. Why is my credit score so low with XXXX? About 6 months ago I had a XXXX credit score. Something illegal is going on with this company 's reporting. 

I complained to XXXX XXXX XXXX about this XXXX credit score and she suggested using another credit bureau. Same thing with Experian - XXXX credit score. My credit score should be going up and not down. No missed payments, no late payments, etc. I just paid off some credit card debt. XXXX XXXX XXXX approved me for an auto loan back in XXXX in which I paid in full in XXXX when I purchased an upgrade. XXXX refused to approve for the upgrade and I had no problem seeking finance with another company. Again, XX/XX/XXXX was declined due to high DTI. This is not true because I double-checked my credit report and no way am I XXXX DTI -- XXXX  DTI. I believe this is personal because int the past I had a run in with one of the finance reps. This is a dishonest company and is in violation of federal law -- retaliation.

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 2022-01-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Received collection statement from Midland Credit Management, original creditor is XXXX XXXX XXXX XXXX XXXX {$1900.00}, date opened XX/XX/XXXX. Rental of a XXXX  XXXX XXXX XXXX sound system. I spoke to the company about the account, informed them it was fraudulent opened. I let them know the address and email address they have do not belong to me nor did I purchase a tv. I let them know Ive live at my current home since XX/XX/XXXX, have had the same email address for over 10 years. I have credit freezes on all credit bureaus. In addition, a fraud alert was added in XXXX of XXXX when I dealt with a similar situation. ( XXXX sent me to collections for phones purchased in XXXX of XXXX, Ive been with XXXX since XXXX ). The company recently sent me a letter stating they have concluded that their information is accurate which is completely false! The signature on the contract does not match mine! Address, email address, transaction history shows the payments they tried collecting were returned for insufficient funds. If this does not tell you this is fraud XXXX what will!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Upon checking my account on XX/XX/XXXX, I discovered that an unauthorized withdrawal of {$700.00} at a Wells Fargo Machine located at XXXX XXXX XXXX XXXX in XXXX, CA. It was done by someone using the tap method according the bank records and records on the Wells Fargo app. This is the same branch I did a deposit at on the same day, records show that this unauthorized transaction also happened on the same day ( XX/XX/XXXX ). I filed a claim through Wells Fargo as soon as I found out on XX/XX/XXXX, claim number # XXXX. I followed up my disputed claim on XX/XX/XXXX and was told that they are denying my claim because upon their investigation there was no fraud and therefore could not return my money. I am a hardworking individual barely making ends meet and this {$700.00} was my month 's rent. It is unfair that they denied my claim, my withdrawal patterns speak for themselves, I have never withdrawn in amounts like that.

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 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Claim No. XXXX was filed in XXXX, 2021. This is for the reimbursement for the cost of an XXXX XXXX XXXX that I accidentally dropped kitchen sink and is unrepairable and can not be used to make calls because the phone was submerged in the water with dish detergent. I sent all the documentations needed and it was agreed upon that the purchasing of a new phone would suffice the require for a note stating the phone was beyond repair. A XXXX XXXX XXXX XXXX XXXX that cost {$1200.00} was purchased. I sent proof 4 times and 4 times this proof of purchase was NOT attached to my file. I sent emails alleging " game playing '' to keep from paying the claim. I also requested to file a complaint regarding this failure to attach the info that I continually sent to my file. The XXXX has record and shows the payments that were made to XXXX XXXX showing the payments made prior to the damages to the phone. XXXX has all of this as well as the documents that I sent ; however, they are not processing the claim stating they need more information which THEY ACTUALLY HAVE VIA EMAIL AND VIA THE ACCOUNT RECORDS THAT THEY HAVE. I have requested that the refund for the phone be sent to me directly not put on my account. After 20 calls and 20 emails, I know nothing else to do. Bad business...

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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy Cash, who sold a payday loan to Ad Astra, then XXXX XXXX XXXX, then back to Ad Astra, and XXXX again, is still showing an account balance and is reporting a debt for an account that is beyond XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on WELLS FARGO BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( WELLS FARGO BANK 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 2022-01-04 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: BANK OF THE WEST
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. BANK OF THE WEST item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( BANK OF THE WEST 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 2022-01-04 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: Lending Club Corp
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on LENDINGCLUB CORPORAT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( LENDINGCLUB CORPORAT XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: PA

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE LATE PAYMENTS : 1 ) XXXX XXXXF 2/ XXXX XXXXXXXX 3 ) XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX CLOSED WITHOUT KNOWLEDGE )

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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX, who sold a payday loan to XXXX XXXX, then National Credit Adjusters, then back to XXXX XXXX, and NCA again, is still showing an account balance and is reporting a debt for an account that is beyond seven years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I ( XXXX XXXX XXXX was involved in a XXXX case along with my girlfriend ( XXXX XXXX ) and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. I notified XXXX about the bills and she said not to worry about them, she wanted me to take pictures of the bills and send them to her because she stated that she will handle it. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. I contacted XXXX about the collections, she has been little to no help what so ever. We both filed and submitted a dispute late XXXX with XXXX and Equifax with mixed results. XXXX removed the collections from my credit score account on XX/XX/XXXX however, Equifax has not when it is the same dispute. I filed a dispute XXXX times with Equifax and yet, results come back the same that it is accurate and that I am liable for the collections. I do not understand why XXXX removed the collections from my credit account within a week but not Equifax. I have screenshots of text messages with XXXX for supporting evidence to back up my complaint. Side note ; on XX/XX/XXXX, I spoke with XXXX XXXX XXXX himself and he said that he will be of assistance and write a letter stating that we are not at fault and shouldn't have been sent to collections. My XXXX XXXX is also having similar problems but she will submit her own complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
CAPITAL ONE is a company that is regulated by CFPB and they are in violation of laws, statues, and codes that they shall abide by. CAPITAL ONE has taken adverse action against me by closing my accounts due to none payment for medical related complications Im experiencing. CAPITAL ONE went to the extreme and reported to the consumer reporting agencies numerous times late payments which is transactions between the consumer and the person ( CAPITAL ONE ) and utilization which is the experience between the consumer and the person ( CAPITAL ONE ) making the report. Congress says that transactions OR experiences between the consumer and the person making the report is not included in your consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was mailing a check to the XXXX XXXX, I put it in the mail box on XX/XX/XXXX. 
I checked my balance on the 1st. and found out that someone has cashed it with the amount of XXXX XXXX The mail box was broken into.

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