vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 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: NY

Complaint narrative:
CFPB complaint # 2 Experian responded to this complaint stating that " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' As a consumer reaching out through the CFPB, I am appalled that this avenue was taken by Experian. I provided copies of my letters sent certified mail using online certified mail services due to the pandemic ; dispute results ; signature confirmation from Experian, and they did not address anything and closed the complaint out. Now, I am resubmitting this complaint with additional documentation. 

On XX/XX/2020, a certified letter was sent to Experian disputing the XXXX tradeline listed on my Experian file. The letter was signed for on XX/XX/2020. Documents regarding this tradeline were also uploaded at https : //www.experian.com/consumer/upload/ no response received from Experian. The furnisher has no documentation for this debt and therefore, can not be verified or validated by Experian. On XX/XX/2020, Experian sent me dispute results Report number XXXX, regarding this XXXX  tradeline and the result is showing as " pending ''. This happened last year as well when I tried to work with Experian regarding this tradeline. Previously, this tradeline has no balance, account number or dates reported. Also, was not reported an in dispute. Experian has ignored the accuracy component of the FCRA Section 623 ( a ) ( 1 ) ( A ) for the missing data ; FCRA 623 ( b ) ( 2 ) and the 30 day provision of the FCRA 611 ( a ) ( 1 ). No answers are provided to me by Experian in regards to this dispute and am simply given a one line response, despite the evidence provided to Experian for the inaccuracy of their reporting. Therefore, Experian is in Non-Compliance of the FCRA 616, 617, 621 for the reporting of this tradeline and must remove this tradeline per the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ). 

XX/XX/2020, another dispute result received from Experian Report number XXXX, with the XXXX tradeline still " pending. '' This is the third pending dispute results received from Experian. Based on the FCRA, this XXXX  tradeline must be removed accordingly.

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 2020-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2020 I received an alert via email from XXXX  that a new credit inquiry had happened for a Cabela 's Club account through Capital One. I called Capital One to find out more information and found that the card was applied for in XXXX, XXXX My address in the United States is in XXXX , WA , however, I live overseas working at an XXXX  XXXX  in XXXX , XXXX so there was no way this could have be me. Capital One has closed the account due to fraud and said it would be removed from my record but they told me to put in a report through the website to be safe in case there are any other cases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 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: PR

Complaint narrative:
On XX/XX/2020 I disputed an amount of {$3000.00} with Wells Fargo. I claim the transaction was double they credited my account and today XX/XX/2020 they posted the amount again and over draft my account. 
It took the 2 months to get a transaction back to my account. I usually fill my disputes on line. They take about 2 months to credit my account to credit accounts when you have any item dispute with them.

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 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
After opening a new account at Huntington National Bank, I transferred funds from my credit union account utilizing the Huntington Bank mobile app. I transferred three deposits during the period of XX/XX/XXXX through XX/XX/XXXX in the amounts of {$1000.00}, {$1000.00} and {$73000.00}. Those deposits were to fund the new checking and money market accounts and to provide a down payment on a residence that I was purchasing and that Huntington Bank was financing with a mortgage. 

After experiencing difficulty getting the transfers credited to my new Huntington Bank account, I complained to various individuals at Huntington Bank. Approximately two weeks later, I finally received credit for the largest transfer of {$73.00}. When I inquired about the remaining two deposits, I was told that my credit union would have to ask for the funds back. 

When I contacted the credit union, they said the funds had been transmitted as requested and provided a copy of the transactions stating that is was Huntington Bank 's problem to resolve. For some reason Huntington Bank has refused to resolve the missing deposits although they did provide details regarding the settlement process with XXXX. 

I contacted XXXX after a representative of Huntington Bank provided me with the transaction ID 's and dates for the missing transfers. Unfortunately, neither XXXX or Huntington Bank are willing to resolve the matter even though they are not disputing the validity of transfer. 

I attach my original complaint to the Ohio XXXX of XXXX XXXX. They directed my complaint to your department because Huntington Bank is a national bank. I have attached my original email with additional details and I have attached a copy of the transfer confirmation from my XXXX XXXX and I have attached the original correspondence with Huntington Bank regarding the missing transfers. Please let me know if you need any additional information. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/XXXX I tried to make a transfer deposit of {$430.00} from my Chime checking account ( XXXX XXXX  ) to my XXXX bank account online. I had just received {$430.00} ( confirmed credited to my account ) in the form of a direct deposit from my employer earlier on the same date. 
XXXX XXXX  rejected this deposit on XX/XX/XXXX and stated insufficient funds were the reason. Per XXXX, the deposit was returned unpaid to Chime and debited from my XXXX account. My balance in my Chime account was enough to cover such a deposit, however. 
After speaking to Chime several times I spoke with XXXX, a manager in the claims department, who told me that I would have to fill out a claim form for the money and then submit it to another department. He assured me that he would email me the proper form ( s ). I have yet to receive anything from him or the department. My last call to them yesterday XXXX XX/XX/XXXX ) ended with a customer service representative hanging up on me while I was complaining about my situation. Earlier yesterday Chime had sent me an email stating that there was no reason for them to credit my account with the {$430.00} from the failed transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
american express keeps calling my house regarding my son who does not live with me and i don't know any of his business. i told them repeatedly not to call my house and they have my ; sons number which they could call but instead they keep harassing me and want info about my son which i don't have. i have been in the hospital for the past month and a half and my phone caller id is loaded with their number since i just came back home yesterday from hospital. they need to stop calling my house and threaten me. i have no business with this company and don't owe them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: PA

Complaint narrative:
I have direct deposit set up with card.com I have not received my ssa check this company be trying to steal from customers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
There is an item on my credit report from Commenity Bank/XXXX. I have never opened account with comenity bank. I continue to dispute this item with the credit bureaus and the furnisher, but Commenity Bank continues to verify this information as accurate. In addition, each month Comenity Bank reports me late. How can they report me late when I do not have an account with them or owe them payments. 

I need this item removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
On XX/XX/2020 an attempt was made to open a credit card account under my name. I immediately reported it as fraud, and the account was closed. I then proceeded to place a freeze on my credit report with the 3 agencies. On XX/XX/2020, I received another notification that the same credit card company pulled my credit report from Experian. Experian allowed my credit report to be pulled on a frozen account. I want all inquiries from XXXX XXXX/XXXX  removed from my credit report, and for Experian to actually freeze a frozen account. Experian does not provide a way to actually talk to a representative, so this is my only option. 
Credit Freeze reference number : 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 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: GA

Complaint narrative:
This is my 4th complaint with XXXX XXXX XXXX. They keep sending the same fraud acct to different collection companies. Each time I contact The Consumer Protection Bureau. This acct was opened due to Fraud. Because I feel XXXX XXXX XXXX and its affiliates have purposely allowed fraud and allowing someone to cause so much hardship disabling me unjustly I will be filing a suit. Afni, which is a company I have never even heard of will be included in this suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have PAID Charge-Offs with XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX  as well as charge-offs that no one has been able to verify and PROVE that are mine with XXXX/XXXX, XXXX/XXXX, XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. There's also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-12-01 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: PA

Complaint narrative:
I have contacted Transunion about the XXXX account and informed them that the account has been settled since XXXX XXXX, and they have yet to take it off my credit report, I filed several dispute and the results are always the account is still open with a balance, Transunion is refusing to take it off 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 2020-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
In XX/XX/2020, after the first 15 years, my mortgage loan ( " balloon '' type ) reached their maturity status. According to the terms of the loan, 60 days before this date, the bank was supposed to send me a letter stating the options I had for the next 15 years. I did not received any letter from the bank regarding this matter. Since XX/XX/2020 I tried to connect with the proper division at FirstBank but not until XX/XX/2020 was I directed to the Loss Mitigation Division. 

My complaint is that the bank is not willing to accept the terms that were specified in the original loan to take place after the first 15 years. This is so according to the documents the bank send me after paying {$60.00} to get it ( I am submitting copies of these documents ). 

Before that an officer from First Bank responded in the following manner to my request : " I hope you are well, the case was consulted with our lawyer and since it is the case of the Firstbank portfolio, the case is worked differently than the case in XXXX XXXX, because that other loan is from a XXXX XXXX investor and they have a product to work with as a streamline. Now to work with the expired ballon you have with us, you must submit documentation to be reevaluated and let you know the new terms and conditions of the loan. '' This is different from what the original terms of the loan specified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I currently have a {$510.00} debt being collected from a company name Portfolio Recovery located in XXXX, VA. I sent a certified letter to Portfolio Recovery on XX/XX/2020 to validate the debt within 30 days in which they failed to do so as well as another on XX/XX/2020. I then sent another certified letter on XX/XX/2020 advising they failed to validate this debt of {$510.00}. 

I called the Portfolio Recovery on XX/XX/2020 around XXXX at XXXX in regards to the validation of debt and I spoke with XXXX XXXX and she stated they did received my letters however due to the 2nd letter sent on XX/XX/2020 she was unable to provide any debt validation. I asked her why are they still collecting on a debt that was not properly validated within the 30 days of the XX/XX/2020 and XX/XX/2020 she could not give me a direct answer. She stated I had to email her manager or supervisor XXXX XXXX. 

The FCRA requires Portfolio Recovery or any other debt collector to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: CA

Complaint narrative:
There is an item on my credit report from XXXX XXXX/XXXX. I have never opened account with comenity bank. I continue to dispute this item with the credit bureaus and the furnisher, but XXXX XXXX  continues to verify this information as accurate. In addition, each month XXXX XXXX  reports me late. How can they report me late when I do not have an account with them or owe them payments. 

I need this item removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: CA

Complaint narrative:
There is an item on my credit report from XX/XX/XXXX. I have never opened account with XX/XX/XXXX. I continue to dispute this item with the credit bureaus and the furnisher, but XXXX XX/XX/XXXX continues to verify this information as accurate. In addition, each month XXXXXX/XX/XXXX reports me late. How can they report me late when I do not have an account with them or owe them payments. 

I need this item removed.

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 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I paid for services / goods to XXXX through my Citi bank account on XX/XX/2020 the amount was {$170.00} on my bank statement. Citi bank altered the amount to {$92.00} which is incorrect I have a screen shot. I spent {$78.00} for Handy Services from XXXX I had to go elsewhere locally to pay for a TV Mounting neither XXXX or Citibank refunded my {$78.00}

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 2020-12-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have PAID Charge-Offs with XXXX, XXXX XXXX XXXX, XXXX, XXXX as well as charge-offs that no one has been able to verify and PROVE that are mine with XXXX XXXX  XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, XXXX  and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. There's also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX  and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-12-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have PAID Charge-Offs with XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX as well as charge-offs that no one has been able to verify and PROVE that are mine with XX/XX/XXXX, XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XX/XX/XXXX XX/XX/XXXX and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. There's also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XX/XX/XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: NC

Complaint narrative:
My direct deposit unemployment benefits were deposited to Alliant Credit Union via ACH on XX/XX/2020 but the financial institution is not making the funds available to me. In fact it appears they are doing this on purpose to earn additional interest on those funds. There's no acceptable reason that my ACH was not posted to my account by the morning of XX/XX/2020. I intend on taking any and all legal recourses if we can not resolve this issue immediately. You all have NO RIGHT to hold my funds which are electronically provided to you. I expect swift action in response to this inquiry.

Company response to consumer: Closed with explanation