vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I am writing this complaint because I have been bullied by the credit bureaus. I have been trying to dispute with the creditors ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ) and credit bureaus ( XXXX, Transunion, and XXXX ). All three Beurues have been unresponsive and have failed to properly verify my information with the creditors. I just finished getting off the phone with XXXX  and I was told that I had no idea what I was talking about and that their responsibility as a credit reporting agency was not to verify the information by the creditor but to report the information that the creditor had on file. That to me was a slap in the face. I need help with these monster companies. I have specific documentation attached to this complaint that shows that I have tried everything with these companies and have gotten no responses. Please help me. I am frustrated and tired of being taken advantage of by these companies. Like I mentioned before, XXXX, Transunion, and XXXX do not verify my disputes and they refuse to verify my hard inquiries as well. 

Please reach out if you have any questions. 

XXXX 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 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
While doing my taxes for XXXX I realized that I received a 1099 form from Square for {$790.00}. Attached is a picture of the form. I believe this is related to an incident in 2020 when I was getting spammed non-stop with referral bonuses on Cash App within a day or two. I didn't even withdraw a cent, and my account was shut down for fraud or whatever. I'm not sure how the referral bonuses were coming in, so that's why I didn't withdraw any of the funds. Now that I have this 1099 issued, I would have to pay taxes on that {$790.00} of reported income. I contacted Cash App support via XXXX, phone, and e-mail in the past few days. Both support on XXXX and phone said that it could only be handled through e-mail. The e-mail support was initially very responsive, but I wasn't getting any resolution. A different support agent was responding to the e-mail chain each time. The responses are very similar and clearly generated somehow. Nobody seems to grasp my issue. According to support, my account was closed on XX/XX/2020. That's about all the info I could get. They said once the account is disabled, it can't be accessed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: FL

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT AS A RESULT THESE ACCOUNT WERE OPEN UNDER MINE AND TAXES, PERSONAL LOAN UNDER MY NAME XXXX  # XXXX ... SYNCB/ROOMS TO GO # XXXX. 
ADS/COMENITY/WESTELM # XXXX ... XXXX BANK # # XXXX PORTFOLIO RECOVERY # XXXX,, LENDING CLUB CORP XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently requested a copy of my credit report and when I was looking it over I noticed several inquiries on there that I have no knowledge of and did not authorize. I have tried to dispute this with XXXX, Equifax, and XXXX. The letters I received back from them stated that they would remain on my report for 2 years. I even filed a report with the Federal Trade Commission because I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX - acct # XXXX ( no longer active ) was migrated to the XXXX XXXX - acct # XXXX XXXX active ) a few years ago. 

Transunion keeps reporting both accounts as active. Only one ( 1 ) account is active - XXXX XXXX. XXXX XXXX is NOT ACTIVE. 

I've reached out to XXXX XXXX & Transunion for over a year now to correct this inaccuracy without success. 

On XXXX XXXX Transunion removed the XXXX XXXX account per my credit dispute. 

On XXXX XXXX Transunion add this same ( inactive account ) to my credit report. 

I'm requesting the FCRA to get involve to help me correct this inaccurate information. 

Respectfully submitted.

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 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I refinanced a property on XX/XX/2021 and the payoff was made within a few days. I am due a refund of my escrow balance which is yet to be received. 

Since the refinancing, I have received several emails telling me that my escrow account was being evaluated ... as it is this time every year ... so they are determining if my payment needs to be adjusted rather than returning my money. 

Multiple calls to the lender, SunTrust/Truist, when I can reach them, have only gotten a response about what their process is. I called yesterday, XX/XX/XXXX and was on hold until I gave up at over 49 minutes ... trying to take my granddaughters to lunch. 

I am actually on hold now and the message says the delay will be over 25 minutes ... the same message as yesterday. This level of service should not be allowed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: GA

Complaint narrative:
I was directly impacted by COVID-19 and lost my job at the XXXX XXXX XXXX on XX/XX/XXXX. I applied for Unemployment in the state of Arizona, which I was legally entitled to after being a citizen of Arizona for 13 years. I did not receive a single penny of unemployment until late XX/XX/XXXX, I was financially DESTROYED by lack of proper handling of my legal unemployment claim. I had to borrow money from my retired parents to keep my car from getting repossessed, was forced to sell my house and then had to move across the country to find a new job and try to get back on my feet. I have disputed the payments I could not make due to the global COVID-19 pandemic and the state of Arizona 's massive failure to provide me unemployment in a timely manner. I should not have to suffer financially due to a global crisis and inept state officials. I would like my credit history and report to be adjusted for circumstances outside of my control. Since I am now employed and did finally receive my unemployment I have paid everything I owed and am back on track. I would like my Transunion report to reflect an adjustment of my circumstances. I have disputed and requested disputes be reviewed by Transunion, which has not happened. XXXX had made adjustments, Transunion has 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 explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
I received two pre-approved applications/offers for credit cards online several months apart. I filled out the first one and was denied even though my credit report/history did not change in the previous six months. Several weeks later I started receiving junk mail and spam with information that I had used on the credit card application. Another pre-approved application/offer was sent several months later with the same results and more junk mail and spam. 

These cards were offers from Aspire in XXXX, GA and issued by the XXXX XXXX XXXX in XXXX XXXX, MO. I feel these offers were extended to me to put my information into a marketing data base and sold. When I wrote a letter to the XXXX XXXX XXXX  it was returned unopened. When I sent it to Aspire it was never answered. The letter of denial blamed XXXX  when in fact they have nothing to do with an approval decision. I have all paperwork to back up these claims. I believe that Aspire never intended to issue me a credit card or denied me because of my age.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Galaxy Capital Acquisitions, LLC
State: FL

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT AS A RESULT THESE ACCOUNT WERE OPEN UNDER MINE AND TAXES, PERSONAL LOAN UNDER MY NAME XXXX # XXXX ... XXXX XXXX XXXX # XXXX. 
XXXX # XXXX ... XXXX XXXX # # XXXX XXXX XXXX # XXXX.,, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
Bank of America has charged a overdraft transfer fee twice in one month, with no overdraft. Its my belief that BofA has written code to commit fraud against low income populations, the software they are using is placing debit/hold on funds in accounts in a attempt to cause overdraft charges. My account even with the frozen funds did not overdraft, I was still charged a fee. The representatives attempted to lie and claim that I had over-drafted the account, after realizing that they couldnt explain it both times the representatives admitted my account wasnt over- drafted. I received a refund however my account only has so many courtesy waivers, now if I overdraft I will not be able to get it waived. This was done with software that is probably stealing hundreds of millions of low income dollars. Bank of America has committed fraud against my account twice in one month. The bank has manipulated transactions and balances to cause overdraft fees to occur, this bank is predatory!

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 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I was charged interest fee of {$26.00} and I always pay my credit card in full and also it is set as autopay. 
I tried to reach them and they told they can waive the fee, and also they know that was not my fault, so that doesnt make any sense for me. 
They said it was not my fault but they dont wan na give my money back. 
Id like the refund since I always paid my credit card in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hello XXXX XXXX, Im a victim of fraud and Includes identity theft by chase bank and Private real estate Companys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
remove : fcra violaitons XXXX XXXX XXXX I XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX I XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX I XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX  Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I opened a Checking and Savings account with Citi bank in XX/XX/2020. The had a promotion " LIMITED-TIME OFFER EARN {$700.00} when you open new eligible checking and savings accounts and complete required activities ''. I have completed the required activities. I have waited required 60 days ( time to maintain XXXX balance XXXX +90 days ( time to wait for the reward ). I deposited these funds on XX/XX/2020. 

Their " online chat '' representative said this : " I see that you deposited the funds within 30 days from the date of account opening and maintained them for 60 consecutive days. 
... 
The bonus will be credited into your account anytime within the 90 days from the date of completion of the 60th day. 

That is you will be receiving the bonus within the end of first week of XXXX. 
... 
I see that the deposit is made on XX/XX/2020 and it is cleared on XX/XX/2020. So the period ends by the first week of XXXX. '' It is now XX/XX/XXXX. Even using their " cleared '' date, the waiting period has now exceeded the advertised 90 days. I still do not see the {$700.00} in my account. These dates are not difficult to calculate. They are clearly not following their own terms of the agreement.

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 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: NJ

Complaint narrative:
Berlin Wheeler has been claiming I owe them money for an account that is not mine. Someone had an account and used enough of my info to have company think I owe them money. This started in XXXX. I worked with XXXX  who attempted to solve the problem. Berlin Wheeler is not listening to XXXX  XXXX from XXXX  case report XXXXThe information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. ) My credit score has dropped by almost 100 points. They are strong arming me to pay a debt that is not mine. I at at a loss.

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 2021-05-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I call and talk to the nice lady XXXX I ask her if I could speak to someone in the office she said they the lady had my case on the desk and they are handling it. 

Seem like this company can't be trusted I see some of the same issue I am having For the monts Of XX/XX/2019, XXXX XXXX XX/XX/2019 XX/XX/2019 XXXX I sent my payments but they didn't process them the correct time and I remember when I ask the lady she said they will update everything they were working on their system it should be notes in there system.. 
I am asking that y'all please update these dates to pay as agreed because those days I paid in time y'all was having system problem I with from XXXX  later to XXXX not to XXXX Somthing not write I seen people in the pass had to get lawyers this is very stressful y'all already embarrassed me by putting the wrong information on my account and y'all still want fix these dates. Please please update those dates has pay as agreed I just to call and talk to someone but told I couldn't because you are working on my case these are the days that need to be correct thanks here is only people who had the same issue the money order get return you pay online it post the wrong time that's crazy please update my account i attached copies. Y'all have open dates all wrong y'all make me look real bad and I pay on time

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 2021-05-04 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have disputed my debt with XXXX XXXX XXXX over 5 times already with experian. They have failed to properly investigate this debt and just accept a yes from XXXX XXXX without any actual proof of this debt. I never opened this account and XXXX XXXX has no actual proof of who opened this debt. I have disputed with XXXX  and with Experian. I have sent letters requesting valid proof of debt under FCRA section 611. This debt has hurt my life and family as i am being punished by experian for a debt that is not mine. This debt must be deleted right away as it is not mine. The amount that they are asking for is {$820.00} and have tried to trick me into paying for a debt that isnt mine with harrasing me and saying i will be in legal trouble over phone calls. This company should be investigated and experian should not be allowed to report debts if they dont even take time to properly investigate the debt. I have also submitted the letter i sent to XXXX XXXX requesting proof and they sent me a bill showing somone made charges on a account i have no knowledge of. They never sent any proof of the debt! Just becuase somone else or this company has a bill for a purchase used with this account, does not make it valid to be mine! Under the law they must show actual proof like a valid ID that was used to open the debt. Or anyone can just open accounts and without proof everyones credit would be ruined. That is called fraud and XXXX  and Experian are letting this happen.

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 2021-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
I sold my home and before they let me close the loan they told me I needed to pay my insurance. They requested XXXX dollars or they would not close loan. So I paid that after they had already taken the escrow. I called XX/XX/XXXX today to see if I would get the money refunded. They told me they did not know. It took me 20 minutes to get someone on the phone. It is very hard to reach someone on the phone. The only time it is easy to reach someone is when they are trying to get you to refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Someone tried to obtain a auto loan in my name without my consent or knowledge. I can not delete these fraudulent hard inquiries since the creditor can not remove them without an account. That does not make sense when the fraud was stopped before an account was secured. Now Im left with fraudulent hard inquiries. Please delete!

Company response to consumer: Closed with explanation