vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I found that in have a few credit inquiries on my credit report which I did not authorize. I called the companies to remove them but no one ever got back to me. 

XXXX 1. XXXX -Inquiry XX/XX/XXXX 2. XXXX XXXX - Inquiry XX/XX/XXXX XXXX 1.XXXX XXXX XXXX - XX/XX/XXXX 2.XXXX - XX/XX/XXXX 3.XXXX - XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.TD Retail Card Service   XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 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: NC

Complaint narrative:
I requested a credit investigation onXX/XX/XXXX, and the credit bureaus are taking too long to respond.

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 2019-04-24 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: NC

Complaint narrative:
I requested a credit investigation on XXXX, and the credit bureaus are taking too long to respond.

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 2019-04-24 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: NC

Complaint narrative:
I requested a credit investigation on XXXX, and the credit bureaus are taking too long to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It matters not how many times I report these errors you do nothing to correct them. Once again incorrect data and I am denied a loan or get a usurious rate in attempting to finance. In my opinion you inhibit me from gaining financing because of your inability to provide the correct data and score in a timely manner. This is most adverse to those who you allegedly report accurately on. Passing the buck to banks and lenders who have no interest in timely reporting because in the delay they can make more money- fact!. In this case you received confirmation of balance from a lender days ago to insure it was posted in a timely manner and it is still incorrect! You even prohibit me from dispute and correcting it- that alone says a lot. You also allow unknown entities to inquire on my account unauthorized and then have the gall to lower my score which I consider evil. Where is the business ethics? Also I am allowed by law to shop but your oblivious to that since you do not even allow that! CREDIT History inaccurate Submission Failed icon -You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. Really says a lot about you. You would rather report incorrectly and keep my score low! So I am penalized because THEY fail to report in a timely manner. BY opinion a great evil scam! Why are you disputing?? CREDIT UNION? Balance incorrect error icon There may be a gap in the time that your payment is posted by the credit grantor and the date it's reported to Experian to be recorded on your credit report. You got that right! We'll update your balance as soon as we receive your payment information from your creditor. Meanwhile whats my score and why did it go lower? As for the 42 inquiries you always warn me about- who the He @ # gave them permission- OH YOU- got it- I never gave them permission but yet you lower my credit score to XXXX because I have nothing to say to stop them. It speaks volumes XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. SURE KEEP IT ON AS LONG S POSSIBLE -WHY- it keeps my score lower- Great Job! Not disputable online to who you are! Need more? I think not you know who you are and why.

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 2019-04-24 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened credit card with XXXX XXXX on XX/XX/XXXX. I made purchase for {$34.00}. I made payment through XXXX XXXX using my checking account. I had enough money in my bank account at this time. XXXX XXXX did not send the money to XXXX XXXX, It was the fault of XXXX XXXX not me. 

XXXX XXXX added late fees with no right, Does the law at CA allow to add late fees with all these amount with no rules? I requested to close my account with XXXX XXXX and removed any errors on my credit report. It hurted me without doing anything. On XX/XX/XXXX, I contacted with customer service at phone, the representative was very rude and aggressive, he did not help me at all. 

On XX/XX/XXXX, I called XXXX XXXX, I talked with XXXX, her employee no was XXXX. I explained that I made my payment for credit card on XX/XX/XXXX, XXXX XXXX didnt send the money. It was not my fault, it was the fault of XXXX XXXX. XXXX XXXX added many late fees with no right, I couldnt financially pay it plus it was not my fault. 

On the same day, I made payment for {$51.00}. XXXX promised to move all late fee, I closed the bank account. 
The XXXX XXXX sent errors about missing payments, would you please remove it? 
I asked XXXX to remove the errors from my credit report, she told me that she did not know, I wonder how they reported me by mistake and did not how to fix it. Please help me to remove it from credit report. 

I CLOSED the account, they still reported me that they own me {$5.00} to hurt my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a Wells Fargo Business Checking Account on XX/XX/2018  with the promotion of gettig {$300.00} if I deposit {$1000.00} in the account and complete all the qualifying acitivies which I did. I was supposed to get the money by the 60th Day. I have completed all the qualifying and should be getting my money which I haven't go till yet. Please look into this.

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 2019-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/19, I used CashApp to purchase an item I wanted from XXXX. The seller got my money but never sent my item. I disputed the charge with my bank, who said Square Inc., the company responsible for CashApp, stated that the charge is valid and, as evidence, provided proof that I received the item I ordered. When I attempted to address the issue with CashApp, I received a notice that, in response, my CashApp account was shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial Services took over a medical debt that I MAY HAVE had from, before I was married, 12 years ago. The debt was from XXXX XXXX. My husband and I filed chapter XXXX bankruptcy on XX/XX/XXXX : Case # XXXX. No one showed up to our federal court hearing! This company MAY HAVE re-submitted this an old collection, that was included with our bankruptcy, in XX/XX/XXXX. When I contacted the company, they gave me the run around and said they couldn't locate anything about me. I disputed this collection with the major credit bureaus, explained my situation, and now they are launching full investigations. This, in my opinion, is potentially fraudulent because I have never visited healthcare providers from XXXX XXXX AND this Bull City Financial could not provide me with any information regarding the derogatory account they reported on my credit. When I requested a letter of debt validation, they said they would not be able to provide that for me. This is beyond harassment, what they have done is against federal law. My bankruptcy attorney is XXXX XXXX, of XXXX XXXX XXXX , XXXX. This company needs to remove the collection from my credit report or I will seek legal action against them! This company needs to be held accountable for underhanded actions, such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SACOR FINANCIAL, INC
State: WA

Complaint narrative:
My company was going to garnish my wages for a debt in 2005 not sure what for. SACOR financial is the company who started this. I have no idea what this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
AFNI, INC. 
Account number XXXX Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XXXX XXXX. AFNI is reporting a collection from XXXX that is NOT NOT NOT mine. I attempted to contact afni to dispute this account. At first they stated they could not find any accounts in the system under this account number. I then called XXXX, who also could not find any past due accounts under my social, address or this account number they also stated they DO NOT SELL TO AFNI, there are 2 other collections companies they work with but none of them is AFNI. So afni is fraudulently attempting to collect this debt on behalf of XXXX who has no recollection of this account or even working with them ... I called AFNI again, this time they insisted on collecting my personal information phone # s with purpose of verifying the account and NOW I'm getting non stop collections calls from them threatening to take me to court and garnish my wages ... I almost lost my job because of this fraudulent collector. please help ... 
I have written several letters sent certified mail to AFNI and got NO response. I went to law foundation for help and DA 's office who advised me to file my complaint with you and also to file my complaint with FTC with hopes of bringing this fraud collectors to justice. If this is not removed from my credit report I will file this with the case law attorney who is working on case against AFNI already.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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:
I am a victim of identify theft. Multiple inquiries and accounts were opened on my credit file.

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 2019-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
XX/XX/2019 the agent called 4 times from 2 similar numbers. I returned the call and it came back to Phoenix XXXX. They ask for a female who is seldom at the residence and they won't give me any information as to the reason/purpose of the call. I informed them prior that multiple calls are harassment and the agent said, in fact, it is not and that he would continue. He has done exactly that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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:
I am a victim of identify theft. Multiple inquiries and accounts were opened on my credit file.

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 2019-04-24 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: FL

Complaint narrative:
I am a victim of identify theft. Multiple inquiries and accounts were opened on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I submitted a disputed XX/XX/2018 with TransUnion. It says theyre still investigating and its been more than a year

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 2019-04-24 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: CA

Complaint narrative:
I received my Transunion Credit Report with the information from the XXXX XXXX XXXX XXXX being reported inaccurately. I contacted Transunion asking for the information to verified after I had received letters from XXXX XXXX XXXX on XXXX XXXX XXXX and a letter from XXXX XXXX XX/XX/XXXX. The first letter indicated the information of the account stating the account was discharged in a XXXX XXXX  bankruptcy. They also stated that the account was charged off XX/XX/XXXX. 
The letter was XXXX XXXX indicated the account was settled with a XX/XX/XXXXXXXX filing XX/XX/XXXX. They also state this was closed XX/XX/XXXX not charged off as stated by XXXX Services. XXXX XXXX states the account was sold to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXXstates they acquired the account XX/XX/XXXX. Which is a week before XXXX sold the account to XXXX XXXX XXXX! 

Also the included document was received with language crossed out.

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 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019, I was charged {$230.00}. I informed the company of this fraudulent charge on XX/XX/2019. They issued me a conditional credit until they could finish their investigation. On XX/XX/2019, they closed their investigation in favor of the merchant and reversed the conditional credit. I am continuing to dispute this. 

Originally, I did not submit any information in support of my dispute, just because the transaction was never made by me. My credit card activity with the same bank also shows that I was in California the entire time. I assumed they could access this and easily assume that I could not have made the charge. 

The information the merchant provided was an IP address in Texas that shows the purchased item was ordered to someone I have never heard of. Although the address may match, I have no idea who the person is. I also do not have authorized users to my credit card other than myself.

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 2019-04-24 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: NY

Complaint narrative:
These accounts are fraudulent XXXX ( Original Creditor : XXXX XXXX   XXXX ) {$68.00} XXXX XXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I live in XXXX, OH XXXX. I am reporting a home scam committed by Third Federal Savings and Loan along with XXXX XXXX XXXX President XXXX XXXX XXXX. 

Third Federal Savings and Loan along with XXXX XXXX XXXX President XXXX XXXX XXXX committed home fraud on my property at XXXX, OH XXXX. HUD told me that something bad has happened with my home and I need to seek authorities help. I also wanted to know if RESPA was followed. 
I filed this complaint on XX/XX/2019, and the Federal Reserve filed a complaint on XX/XX/2019, with CFPB on Third Federal. Without addressing my complaint, CFPB closed both the case today stating that it is duplicate with a third one, which is a false statement. 

Today, XX/XX/2019 XXXX XXXX, I spoke with a CFPB agent XXXX XXXX. Mr . XXXX  verified my complaint and confirmed that these two complaints are not duplicate to another third one. Mr . XXXX told me Third Federal closed the case using some guest service account. Also, Mr . XXXX told me that If I submit my complaint again, Third Federal will close it again as a duplicate or something because CFPB does not have any control over the complaint process. 
I want my home, and I want a fair investigation and justice. Someone very powerful is covering up Third Federal savings and loan home scam. Moreover, HUD advised me to file this home scam and RESPA inquiry with CFPB. 
I want to know how my home account got transferred. 
I want to inquire if all RESPA procedures were followed on my property. 
I want to file a home scam/fraud against Third Federal Savings & Loan. 
My home is protected by the government. So, I want to know all the property payment details and who is paying what. 
CFPB, please do not close this complaint stating that this is duplicate. This is not a duplicate complaint. This is a home scam / RESPA case. Please investigate justly. 
Finally, if CFPB believes that CFPB can not control Third Federal savings and loan and Third Federal will again lie and close the case, please escalate this to the proper authorities.

Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citibank Checking Account on XX/XX/2018 with the promotion of getting {$500.00} if I deposit {$15000.00} in the account and keep it for 60 days which I did. I was supposed to get the money by the 60th Day. I have completed all the qualifying activities and should be getting my money which I haven't got till yet. Please look into this.

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