vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are inquiries on my XXXX  and TransUnion that do not belong to me. There are also other content on my XXXX  with an account called XXXX XXXX that I have removed 3 times already and they just put it back on my credit file which is unlawful and I'm ready to pursue charges. 
There are other filings I will be reporting in another complaint about all three bureaus, but I submit that when I attach the documentation.

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 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I have been consistently disputing and request account validation from this company ever since I saw this account in my report. I already sent a separate request directly to CREDENCE ROOM for account validation, statements, and contract but I never receive anything since then. CREDENCE RM continues to violate my right and reporting this unknown account without investigation or account validation. I am filing this complaint to request deletion of this account that I am not even familiar with the balance they are reporting. This is not mine and this collection company does not have any proof that this belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am a decade+ customer of XXXX XXXX  XXXX I have a checking, savings and business account with XXXX XXXX. 

Tonight, an artist we've done business with multiple times, asked us to send our payment of {$200.00} to him through Zelle, which we believed to be a XXXX Bank owned app based on the advertisements provided by XXXX XXXX  and the zelle app embedded in my XXXX XXXX  account. 

Believing the product must be reputable, the payment was sent. 

After sending, our friend asked us to send a screenshot. 

I found this odd, as we've done business several times. 

So I asked him to call me and when he refused, I found that his XXXX account was hacked. 
Within literal minutes of sending the payment, I called XXXX XXXX. 
They said Zelle is not their app, its a 3rd party and there was nothing they could do. 
I asked if they could NOT send the funds, because the funds WERE NOT SENT. 
They said no. 

I called Zelle, it had no options for fraud, for support and the system hung up on me twice. 

I called XXXX XXXX  back and explained that we should have the ability to mitigate our losses, that XXXX XXXX  advertised this app in a way that made it seem like it was a part of their services and an app owned by them. 

They stated they had to ability to stop the funds, that are STILL SITTING IN A PENDING STATUS, from being drafted from my account. 

Zelle has no fraud department Zelle has no customer service options Zelle has no customer service agents available Zelle has no options for us to protect ourselves or report time sensitive issues related to fraud or app issues. 

No CONTROL is provided to me, the customer defrauded by the app XXXX XXXX touted. 

Now that I've been informed Zelle isn't part of XXXX XXXX, I am aware that I may not be afforded the same protections that I would if it was part of the bank, such as FRAUD protection. 

I also am GUESSING zelle doesn't have a dedicated team. 

Had it had one, the funds would not have been sent, because we would have been able to call within the first 10 minutes of sending the payment, and cancelled it. 

Zelle should be required by law to have a fraud team. 

Zelle should be requried by law to disclose during the sign up process PUSHED BY XXXX XXXX, that it is NOT AFFILIATED WITH THOSE BANKS. 

XXXX XXXX  should not be legally allowed to advertise the use of an app it has ZERO control over or protection it offers with it. 

Zelle should not be able to refuse fraud or customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/2021 Citi Bank fraud department blocked my account even from me, they are closing my accounts and they have my whole Social security survivors and XXXX payment which they will not give me any kind of access to it. They seem to be targeting me for my XXXX status from what i have read threw it would appear that discrimination based on XXXX, race, or family status is in violation of federal regulations. The law could not be clearer to preserve federal benefits for their intended recipients, Congress provided that the benefits can not be seized as such seizures would result in the loss of subsistence funds. The statutes governing the distribution of these funds specifically states these funds are to be free from attachment. This happened after my online checking account information was stolen and the result was a mobile deposit being made for {$890.00} by a company called XXXX XXXX  i am a victim of both companies. I need my Social Security to survive and they said i have to go into a branch and get it. Well the nearest branch is XXXX miles from where i live they have all my money so how do i get there to do that? I am 100 % XXXX determined by Social security and other agencies and i can not get anywhere with Citi Banks fraud department that is located in the XXXX. So i have to resolve this quickly i have to pay rent i am facing eviction, my phone will be shut off all because they are withholding my monthly payment. Please help me.

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 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am outraged at the subpar level of service provided by this financial institution. I have had a hard time dealing with the merchant directly to recover my funds and I thought that the banking institution would assist. The banking institution keeps insisting to hold me liable for a negative balance including funds theyre allowing the merchant to steal. I understand the merchant policy non-reschedulable, non-refundable, etc. HOWEVER, I went to my scheduled appointment and the merchant does acknowledge that I did not receive what I paid for! I am not paying for funds that you have allowed to be stolen, and youre being complicit in that theft. I am further not paying for a maintenance fee on an account that I can no longer use even when my balance is cleared. I will pay {$100.00}, no more that that figure to clear my balance and wash my hands of your disgusting service. I will also move to file a small claim for the amount that youre now complicit in allowing theft to occur. Please consider this your notice of intent to file suit. I will pay the {$100.00} I am offering to clear this balance in full when I receive a phone call acknowledging and accepting this amount of money to resolve the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
On XXXX XXXX I contacted a loan broker for a refinance. The company accepted the application and a appraisal was performed on XX/XX/20. I constantly contacted broker on status of loan and it was always some kind of delay. In XXXX I finally told broker I was done with them its been 5 months and they still couldnt close on a refinance. I asked the broker for a refund for the appraisal because the amount of time has passed and the appraisal expired due to their inability to close. The broker contacted the company and a few weeks later the company denied the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: FL

Complaint narrative:
There are inquiries on my Experian and XXXX  that do not belong to me. There are also other content on my XXXX with an account called XXXX XXXX that I have removed 3 times already and they just put it back on my credit file which is unlawful and I'm ready to pursue charges. 
There are other filings I will be reporting in another complaint about all three bureaus, but I submit that when I attach the documentation.

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 2021-02-11 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:
The credit bureaus are illegally reporting inaccurate information on my credit 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 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX double reported a credit inquiry to Transunion on the same day. They have 2 inquiries on my credit report for XX/XX/2019. Of course, they just love running your credit 20 times when you purchase a car, because every time they submit an inquiry, it lowers your credit score, so by the time you make the actual purchase, your score plummets 100 points and oh my, now we have a higher interest rate, right? This needs to be fixed.

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 2021-02-11 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: FL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Americredit double reported it's inquiry on my XXXX  account on XX/XX/2019. The car dealers do this when you buy a car, so that by the time you actually make the purchase, they have succeeded in significantly lowering your credit score in order to increase the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Citizen Bank Home Mortgage approved my forbearance due to COVID-19, and in XX/XX/2021, Citizen bank approved deferment option. At the same time, they reported to credit bureau of been OVER 180 days late. I tried to contact Citizen Bank several time and the customer service rep kept lying to me about the situation.I requested to talk to supervisor, but they'll not let me talk to the supervisor. I requested a call back but no one ever called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally Financial apparently did 2 credit inquiries within 10 days. I purchased a car on the XXXX. The car dealer apparently pulled my credit on the XXXX, then again on the XXXX and again on the XXXX. I already secured financing on the XXXX, there was no reason to pull my credit multiple times after I made the purchase. I did not authorize any credit inquiries on any day, other than the XXXX. Both of these inquiries need to be removed from my XXXX  credit 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 2021-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: IOWA BANKERS MORTGAGE CORPORATION
State: IA

Complaint narrative:
On XX/XX/XXXX, I was contacted by an employee of the Iowa Bankers Mortgage Corporation about my VA XXXX loan that I requested a forebearence on in XXXX, XXXX. I submitted a complaint in XXXX, XXXX because I had continued to receive threatening mailings from Iowa Bankers Mortgage Corporation that stated my loan was delinquent and that I may be foreclosed on if I didn't act. The mailings also showed the corporation charging me late fees for my forebearence. I am unclear why I was called about this but it seemed to be about the collection of a debt though that was never told to me. I was also asked personal information about my financial situation and my and my plans moving forward. Since my forebearence was granted by the CARES act, I don't believe any of these questions or the phone call itself was legal or appropriate. I believe it was an attempt to intimidate me for having exercised my rights as a consumer to make a complaint about their corporation. The phone call ended when I agreed to receive another phone call next month from a debt collector to assess whether or not I still need a forebearence. Overall, the tone of the phone call was condescending, intimidating, and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX apparently did 2 credit inquiries within 10 days. I purchased a car on the XXXX. The car dealer apparently pulled my credit on the XXXX, then again on the XXXX and again on the XXXX. I already secured financing on the XXXX, there was no reason to pull my credit multiple times after I made the purchase. I did not authorize any credit inquiries on any day, other than the XXXX. Both of these inquiries need to be removed from my Transunion credit 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 2021-02-11 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I purchased a car and I see there are 2 credit inquiries from Chrysler Capitol just 7 days apart. There is no reason why this company needs to pull back to back credit inquiries, other than to lower my credit score. I did not authorize 2 credit inquiries. For some reason, it's only XXXX that has multiple double credit inquiries on my report, significantly lowering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
I was pre-approval for a conventional loan. Turned in all the documents I needed for the loan. 2weeks before closing. I received a phone call saying bank of Oklahoma could not move forward on my loan. I am a first time home buyer and was very stressed. I told the lender, I am driving and would have to talk later. She then sent me a email that said my debit to credit ratio was a issue. I ask why is this just now a issue 2weeks before I close on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
Yes I have 7 emergency room visits because I did not no that I had XXXX  XXXX  XXXX. All 7 was picked up by ars account resolution company. This is destroying my credit. I had insurance for all 7 of these bills. Please have the company bill my insurance sooner care. XXXX  bless and thank you XXXX. 
XXXX XXXX XXXX XXXX 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 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I purchased a car and I see there are 2 credit inquiries from XXXX XXXX just 7 days apart. There is no reason why this company needs to pull back to back credit inquiries, other than to lower my credit score. I did not authorize 2 credit inquiries. For some reason, it's only Transunion that has multiple double credit inquiries on my report, significantly lowering my score.

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 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION

Complaint narrative:
My relatives in United States of America send money to me here in the XXXX thru Xoom but the money not yet sent to my bank account it take long time. I really need the money for emergency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  XXXX XXXX  approved my forbearance due to COVID-19, and in XX/XX/2021, XXXX XXXX  approved deferment option. At the same time, they reported to credit bureau of been OVER 180 days late. I tried to contact XXXX XXXX  several time and the customer service rep kept lying to me about the situation.I requested to talk to supervisor, but they'll not let me talk to the supervisor. I requested a call back but no one ever called me back.

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 2021-02-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  XXXX XXXX  approved my forbearance due to COVID-19, and in XX/XX/2021, XXXX XXXX  approved deferment option. At the same time, they reported to credit bureau of been OVER 180 days late. I tried to contact XXXX XXXX  several time and the customer service rep kept lying to me about the situation.I requested to talk to supervisor, but they'll not let me talk to the supervisor. I requested a call back but no one ever called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  approved my forbearance due to COVID-19, and in XX/XX/2021, XXXX XXXX  approved deferment option. At the same time, they reported to credit bureau of been OVER 180 days late. I tried to contact XXXX XXXX several time and the customer service rep kept lying to me about the situation.I requested to talk to supervisor, but they'll not let me talk to the supervisor. I requested a call back but no one ever called me back.

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 2021-02-11 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: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I had a vehicle leased through GM financial. I had a bill credit listed on bills on or around XX/XX/2017, through XX/XX/2017 and my car was repossessed on XX/XX/2017. When I reached out to the company I told them the bill showed a credit repeatedly, offered to send it, they simply stated no. I offered to pay the balance due to use the car for the last 6 months, no. I sent them the bill, I sent the credit bureau the bill, and both have rejected this and still say the outstanding is valid and true. I have been given zero evidence of this validity. Most recently I found this original bill and submitted it for review. STILL I am told I owe this debt and it has negatively been impacting me for 4 years.

Company response to consumer: Closed with explanation