vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 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: CT

Complaint narrative:
I submitted a requested of investigation due to a inaccurate information been report in my credit profile this company is allowing without any investigation, i have not received any proof of their investigation they have not take my requested seriously as they should by law. This company is violating my rights

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 2020-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MEDICAL BUSINESS CONSULTANTS, INC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX and tried to use my card only to be told to call card services. When I called I was transferred to two different people before I was read a letter describing how Commenity Bank illegally ran my credit report and decided to decrease my limit after I had been a loyal customer since XX/XX/2018. I did not authorize the credit check. This is one of two Comenity Bank accounts that I have, both of which I have issues with. I have other cards and I have never had these problems arise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO 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 2020-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
When covid virus shutdown started in XX/XX/2020, I contacted my mortgage company Midland Mortage. They said in XXXX that if I qualify for program rhat I could put the payments I missed, on to principal amount on loan. Now I find out this is not the case. This is a valid case of miss representation.

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 2020-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phillips & Cohen Associates, Ltd.
State: FL

Complaint narrative:
I received a letter in the mail from a new Collection agency called Phillips and Cohen Associates. I previously sent in a complaint against XXXX XXXX who also had XXXX XXXX XXXX sending letters requesting a different amount that is reflecting on my credit report. I would like this account to be deleted with all credit bureaus. The amount that is being reported is {$6700.00} but now the new Collection agency is asking for {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-12-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. These two companies are saying that I have been late on my payments. I have never been late. I am requesting that the late payments are removed, and show that they are good standing. I am personally asking for a debt verification for the late payments and to be removed immediately as the late payments are an error to my perfect credit standing.

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 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent almost {$1900.00} via chasequickpay ( XXXX ) to a guy who " sold '' me a PC. He told me some of the parts were still coming and that he would get back to me. He had me meet outside a shop in XXXX  and claimed it was his. Even printed me an invoice and made me sign it. I called chase and they said because its not a debit card transaction it can not be reversed. I have filed a claim before with XXXX over {$500.00} with XXXX and they were able to get me my money back, im not sure why chase isnt able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: NC

Complaint narrative:
I did not authorize inquiries.

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 2020-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I received a letter in the mail from a new Collection agency called XXXX XXXX XXXX XXXX. I previously sent in a complaint against Exeter Finance who also had XXXX XXXX XXXX sending letters requesting a different amount that is reflecting on my credit report. I would like this account to be deleted with all credit bureaus. The amount that is being reported is {$6700.00} but now the new Collection agency is asking for {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. These two companies are saying that I have been late on my payments. I have never been late. I am requesting that the late payments are removed, and show that they are good standing. I am personally asking for a debt verification for the late payments and to be removed immediately as the late payments are an error to my perfect credit standing.

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 2020-12-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. These two companies are saying that I have been late on my payments. I have never been late. I am requesting that the late payments are removed, and show that they are good standing. I am personally asking for a debt verification for the late payments and to be removed immediately as the late payments are an error to my perfect credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: MD

Complaint narrative:
Gemini is fraudulently denying they received my wire even though I have provided numerous evidence that the wire was successfully transferred including a federal wire reference number. The company has not credited my account even though I wired the funds on XX/XX/XXXX. I have provided a federal wire reference number and other documentation including a screenshot from XXXX of wire transfer confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: NC

Complaint narrative:
I did not authorize inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: NC

Complaint narrative:
I did not authorize inquiries.

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 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There is a late payment on my credit card with Capital One that I do not recall ever having. I have had this card since XX/XX/2017 and was under the impression I always had a good payment history. I checked my credit report with XXXX XXXX and saw a late payment that shocked me. This late payment must have been when I was touring the country since I am a professional boxer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: CA

Complaint narrative:
This letter is a formal complaint that the bureaus are reporting inaccurate and incomplete credit information. These accounts do not belong to me. I am distressed that the bureaus have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated and to be removed immediately.

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 2020-12-15 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:
This letter is a formal complaint that the bureaus are reporting inaccurate and incomplete credit information. These accounts do not belong to me. I am distressed that the bureaus have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated and to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: PA

Complaint narrative:
The physicians that they claim I saw do not exist as a group. I called the phone number and wound up on the phone with XXXX XXXX who stated it was the janitors room and they receive the same call every day, several times a day. I believe they are fraudulent and the debt they are stating I owe, if it is real, should have been processed through XXXX. I believe they cant process it through XXXX  because the original debt does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: MO

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 40 days so they should be updated to payed as agreed promptly. I demand these accounts be updated immediately, or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have fell into the hands of the wrong person.

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 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My complaint is on Citibank. 
XX/XX/2020 .I was paying my rent online and mistakenly overpaid {$3300.00} to XXXX company which I immediately canceled a few seconds after it was submitted. Called XXXX company to be certain and was given a photoshot that it certainly was. 
Called Citibank to make them aware and was told that since my pay was canceled ... it will be debited back to.me in 3 days. 
I waited 3 days. None Called Citibank again and was as asked if I want to dispute it dispute it. It's been past 3 days. 
I said yes I want to go for a dispute..was told it would take me 10 days.. it's already past 10 days today. 
XX/XX/XXXX today, and I called Citibank since the disputed amount still isnt back to my checking account.. mind you this now is half a.month ... 
I was told that i should have responded to an email from their dispute center which I havent received and was told that I had to respond back to dispute center to acknowledge that I want my issue disputed, and since I didnt, they disregarded my dispute I wasnt even told about this in my previous communication with Citibank, going forward i emailed Citibank disputes Department and was.adviced that I'll be getting a received your e.ail response. Over 12 hours has passed and I still didnt get get a response like received email by Citibank dispute Department. I checked my dispute center in mobile banking to see a record of my complaint .. none. That money is for my daughter 's tuition that I have worked hard for. Please help me get it bac k. I want Citibank to give me my hardearned money ( {$3300.00} ) back to my checking/debit 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 2020-12-15 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: MO

Complaint narrative:
On XX/XX/2020I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 40 days so they should be updated to payed as agreed promptly. I demand these accounts be updated immediately, or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.

Company response to consumer: Closed with explanation