vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$24000.00} ;

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 2022-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Westcreek Financial
State: FL

Complaint narrative:
Part of the approval process is dependent on a {$40.00} deposit, or initial payment. I was approved for up to {$500.00} originally. When I went to submit the approval to the merchant I was applying for the credit account for, my approval changed tk a denial because I had accidentally entered an invalid card. I called the company, Koalify, and I was advised to reapply with and update my application with no issue. I was denied. The merchant then calls Koalify, and requests for my denials to be reset. I apply again and again I am denied, all because my original application had an error that was since corrected. Im being told by management at Koalify that if it was simply an incorrect card, they can assist with the application being pushed through, which is the reason why I was declined after originally being approved. Then Koalify says that they can not help me because of the denied applications submitted after. HOWEVER, Ive been assured by the merchant involved that the denials could and were reset. Koalify is giving me a difficult time and their so-called policy have no room for error for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: AZ

Complaint narrative:
MY NAME IS WRONG AND NEEDS TO BE CORRECTED ASAP AND THERE ARE 3 ALIAS NAMES THAT ARE NOT ME, I HAVE A LETTER ATTACHED

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$73000.00} ;

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 2022-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: MA

Complaint narrative:
Binance.us has continuously ignored my attempts to verify my account so I can withdraw my funds. Thousands of other users are experiencing the same situation. I have over {$80000.00} in current portfolio value but am unable to sell or withdraw my funds because the XXXX verification is not being approved. It has been over 2 months and no action has been taken despite multiple attempts to contact customer service. 

The company is fraudulent and holding my and thousands of other users funds hostage.

Action must be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$1100.00} ;

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Debt Restoration Services
State: NJ

Complaint narrative:
I explained to them DRS  that because I have no signed agreement with them and this account has been charged off I do not owe them. They must provide me with verification that we have entered into a contract. We have not. The law states that they must prove that I owe them ; that I entered into an agreement with them. They have not proved this ; they conceded that we have no contract/agreement, that the credit company wrote it off and in fact has given me another account. I have tried unsuccessfully to have this removed from all of my credit reports. It is unethically and unlawful. Please remove off of all 3 reports.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase offered me " XXXX & XXXX {$75.00} back '' promotion. I added this chase offer on my XXXX, and made two separate purchases on XXXX XXXX XXXX wireless with this card on XX/XX/2021 as the terms required. This offer expired on XX/XX/2021. I completed the requirement, but I did not receive the {$75.00} credit. So I contacted Chase, customer service representatives refused to honor the offer and decide to scam customer. They lied, made illogical excuses and claimed that I am not eligible for the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I do not recognize XXXX XXXX inquiry on XXXX XXXX and Experian.

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 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I reviewed my credit report and it shows a charge off from SunTrust Bank and inquiries from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX and multiple other inquiries which should NOT be reported. I did NOT give written permission for this information to be on my report. This company is in violation 15 USC 1681b ; The law states that any credit reporting agency may ONLY furnish a report in accordance with WRITTEN consent of the consumer. I did NOT provide written consent and I did NOT benefit from these alleged items. This is a demand for these items to be blocked and removed. According to the law 15 USC 1681c-2 : the consumer reporting agency shall block the reporting of any information that the consumer identifies as alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2022-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: VA

Complaint narrative:
Sofi Bank is not letting me withdrawal my money from an investment account. I called customer service and they claim that the withdrawal is blocked because they have to check my linked accounts. Which would be their own checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My name is XXXX XXXX, I have a Bank of America Checking account which is a joint account with my ex-spouse XXXX XXXX. We divorced in XX/XX/2021, and BOA requested XXXX XXXX to be physically present at the BOA branch in order to remove him from the joint checking account. I contacted my ex-spouse many times and sent him the required paperwork, but he still did not go to BOA to remove him. I called BOA and the suggestion is to close the joint account and reopen it again. But I don't want to close the existing 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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Reached out to TransUnion multiple times demanding them to remove the following items off of my consumers credit report and they failed to do so. TransUnion has broken NUMEROUS USC laws. Reached out to them via mail/certified letters with return receipts. TransUnion did not have permissible purpose to report anything to my consumers credit report. TransUnion received information from someone other than myself. Thats aggravated identity theft! TransUnion also didnt havent written consent to report anything to my consumers credit report. no consent is identity theft! It has been well over a month! Per the fair credit act, section 611 ( a ) ( 5 ). You have 30 days to investigate disputes. TransUnion must delete the dispute and unverified accounts. Failure to do so can result in {$1000.00} fine per undeleted item.

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 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XXXX. I opened my fathers account up at Wells Fargo for his direct deposit from social security and to pay his bills. I am his legal p.o.a. because he is in XXXX XXXX because of XXXX. Now 2 months later they tell me that his accounts will be closed if i dont produce his s.s. card byXX/XX/XXXX Dads card was destroyed from going thru the washing mach. When i opened account I produced his last 8 yrs of his XX/XX/XXXX form 1099 and his last 8 yrs of IRS tax returns. I also showed them his XXXX XXXX  papers from XXXX XXXX that has his military ID #. I signed his direct deposit papers for his social security check. Wells Fargo says that is not proof of s.s. number and is the reason for closing account. Social Security has deposited 2 checks into this account and i have set all his recuring bills to this account. I have ordered and paid for checks for this account. I also let Wells Fargo Advisors to handle his IRA account at the same time of opening his checking account. Every penny of my fathers money are in these accounts with Wells Fargo and now they want to close accounts. I been trying to get my fathers replacement card but could not do online. I have to do in person with social security and have an appointment set up to handle this. And then I was told that it takes 4 to 6 weeks for the card to be processed and mailed to me. There is no way possible that i will have his social security card by wells fargos date that they have said the accounts are closed. I believe that there is plenty of proof of his social security number. If everything was not right with his number social security would not be direct depositing the money. I have furnished 19 different official forms from 3 different government agencys all of which has my fathers full name, address, and social security number on them. The ss number has been proven many ways. All the documentation was good enough in XXXX for WellsFargo to open the accounts. It was good enough for Wells Fargo advisors to get dads IRA from XXXX XXXX. All of this proves the number is good. Wells Fargo is being completely unreasonable about the time frame for producing the card. I have done all that i possibly can do. It is not my fault that social security is only taking appointments because of XXXX. I need enough time to go though the procedure to get the card. The accounts have been being used for 2 months with no problems.

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 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
The company called me at XXXX XXXX on XX/XX/22. This is well after hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: OPTUM BANK, INC.
State: DE

Complaint narrative:
In XX/XX/XXXX I terminated my employment with XXXX XXXX. However, I chose to allow my XXXX account to remain as I had no issues with the account or its servicing. By letter dated XX/XX/XXXX from Optum Bank, it was made known that XXXX was selling its XXXX business. On XX/XX/XXXX, my funds were transferred to Optum. 

Trying to explore options, I submitted several questions to Optum, one of which pertained to its fees. Prior to submitting the questions by email, I had attempted to locate the information on its site.

The short of the matter is that I was charged an account closing fee in the amount of {$20.00}. Optum had my funds from XX/XX/XXXX to XX/XX/XXXX not thru my choice, did not provide a list of its feesnor did I ever locate oneand notified me about the termination fee when I received the in the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
CREDIT MANAGEMENT LP Added a collection notice to my XXXX credit report, I have never owed a dime to this company nor charter communications. 

I want this to be removed as soon as possible, charter services are not even offered in my zip code, this is preventing me from succeeding on my house mortgage approval and I do not owe them anything. 

I called them twice already and they can't give me any information on this account because my information doesn't match the account and yet they are reporting this to the credit bureau which is illegal, how can you report an account to a person that you cant verify this is the second time a collection from XXXX XXXX appears in my credit by different collection agencies. 

I have attached the letter from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 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: TX

Complaint narrative:
After reviewing my credit report, I discovered some items that were incorrectly reported. The Congress has given me the authority to dispute and change information in my credit report that I believe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is showing that i filed for bankruptcy and i contacted the court and their files doesn't show that i filed and this information should be deleted for violation of my FCRA rights 15 usc 1681c-2 i demand this information be deleted and blocked from my credit profile immediately. I also sent validating information to Experian proving my case with documentation and they responded back saying it was verified. also Experian and other 3rd party credit agencies are not handling consumer credit reports and disputes according to the standard of the FCRA law.

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 2022-01-26 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: AR

Complaint narrative:
This is the XXXX invoice sent to this company and the company 's registered agent. If I don't receive a response, I will pursue this in court along with my exhibits.

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 2022-01-26 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: VA

Complaint narrative:
Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to Equifax which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 1. Addresses : XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX 2. Phone number : XXXX XXXX. XXXX. XXXX XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Reached out to Experian multiple times demanding them to remove the following items off of my consumers credit report and they failed to do so. Experian has broken NUMEROUS XXXX laws. Reached out to them via mail/certified letters with return receipts. Experian did not have permissible purpose to report anything to my consumers credit report. Experian received information from someone other than myself. Thats aggravated identity theft! Experian also didnt have my written consent to report anything to my consumers credit report. no consent is identity theft! It has been well over a month! Per the fair credit act, section 611 ( a ) ( 5 ). You have 30 days to investigate disputes. Experian must delete the dispute and unverified accounts. Failure to do so can result in {$1000.00} fine per undeleted item.

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 2022-01-26 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:
After reviewing my credit report, I discovered some items that were incorrectly reported. The XXXX has given me the authority to dispute and change information in my credit report that I believe is incorrect.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed for verification of bankruptcy from Experian, XXXX, and XXXX. Each XXXX  states XXXX. However, the chapter XXXX is not on my XXXX report and I have sent my XXXX report to each bureau. I would like verification of where this information was obtained or removed from my 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