vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 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: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-08-05 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX has been on my credit reports for months. XXXX and XXXX have removed the debt as XXXX XXXX has refused to send me a validation of debt per my letter to them. Trans Union is the only company not respecting the laws and cease and desist despite numerous attempts along with XXXX XXXX. I've attached the signed certified green card from XXXX  showing they did receive my letter AND the letter attached to Trans Union to remove it.

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 2023-08-05 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: NY

Complaint narrative:
I was an authorized user on a family members XXXX XXXX XXXX XXXX XXXXredit card account # XXXX opened on my family member removed me from their card, credit card account is closed i filed dispute to have the account removed from my equifax credit report two times and this error isn't fix yet. I am not responsible for this card i was just an authorized user in the past. I am no longer an authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington bank put an XXXX hold on my account. I was told that I needed to go into a branch to remove and it couldnt be done over the phone. They helped me locate a branch and gave me the hours for today. Before even looking into it, the lady says, I dont think this department is in. 

She makes a call and then says, oh the person at the new center branch who put it on is the only person that can remove it. 

Ive wasted time, energy, gas, going around with no results and no removal. XXXXm getting annoyed now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
Rather then accepting payment through their online portal they would rather call I am not willing to give my personal information over the phone that the company should have in tge firt place. They said once you fall behind on payment that they shut It out and it was in my documents which it isn't and they still continued to send me emails saying how easy it was and to make a payment online which they locked me out of so they can litigate then arbitrate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Block, Inc.
State: CA

Complaint narrative:
I hope you are the proper place to investigate squareXXXX credit card services. I signed up for this company over a year ago. This company I just did my first transaction with them probably two months ago. This company has told me in the very first time that my money would be released to me then when I go to get my money released through their services, they tell me they need more questions. I asked the lady before I got off the phone, is there anything else you need? She assured me they had everything then they come with 15 questions later asking me do I know the person but thats not even the biggest problem the biggest problem that I want to have investigated is that theyre asking me for three months statements of my bank account. Now, what do they need to know what I am doing for the last three months just to receive my money I am asking you to investigate or to refer me to who investigates this company because they are a Unlawful and Wrongdoings on looking at peoples bank statements that are not concerning their company, I have never experienced anything like this with a credit card company before this is very suspicious to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION
State: LA

Complaint narrative:
This is a continuation of the last two submissions. The Court has a serious conflict of interest because its invested in the foreclosure. The BANKS have Every State Judge in the US invested in the Foreclosure of houses in the US, the Retirement funds of all state employees are mutually invested in Mortgage Backed Securities. What will clarify this statement is almost all of the Banks doing the foreclosures actually have the legal standing to do so. First of all the law says that Banks are not allowed to own property according to the Glass-Steagall act. All the Securitization of the mortgages is fraudulent because the banks are not the owners. The notes are not being held as promises, so ironically the retirement plans as far as the XXXX are concerned are worthless. Although the judges, have skin in the game to keep up the act, the banks have their families and livelihoods held hostage. This forensic report is about to world wide in many different languages in a co sponsored effort to reclaim our land and the people from the poverty/ XXXX  brought forth by the foreign oppressors. I look forward to hearing from you. I have turned in my H8 rescission form twice and its been over XXXX  days and the law firm of XXXX XXXX XXXX XXXX out of XXXX XXXX Louisiana will not respond. I have sent confirmation mail. I have told the judges assistant, but they are tied up in their retirement funds, obviously. I was never informed I could not resend the loan at the closing table because i was never given disclosures at foreclosure. Therefore it is my right to resend the mortgage. And it is my right to recoup my losses, al fees & interest ( s ) and all escrow ( s ). I am the original creditor the bank has no skin in the game, so this is not a mortgage contract. I was made third-party to a contract that I was unaware of the details that were set forth against me in the first place.. theyre in XXXX XXXX XXXX  at this point. This has destroyed my family of XXXX  years over stress my XXXX XXXX  will not have the upbringing that we have intended. It has destroyed my business and running to a reputation. I cant get back these precious moments of my life, nor can my close family or my immediate family, which has stressed my XXXX  to the hospital and now she is facing the end of her life a lot sooner than expected. And I know Im not alone.

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 2023-08-05 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: VA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Request to Remove Inaccurate Personal Identifying information Dear Sir/Madam, My only existing name is : XXXX XXXX XXXX My only existing phone number is : XXXX My only existing address is : XXXXXXXX XXXX  XXXX XXXX. XXXX, MD XXXX Please remove all other names, name variants, phone numbers, addresses, shown on my credit profile and credit report as I have been a victim of identity fraud in the past. I'm concerned they may make me susceptible to identity theft again, also I am entitled to 100 % accuracy under federal laws. 

Respectfully, 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 non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Someone at a bank re-opened an account I had previously closed. So they used my name and social security number. The bank and the Equifax credit reporting agency refuse to remove the fraudulent information in the report, claiming the the identification information matches my name... yeah, because that's how identity theft works. I have included ANOTHER FTC Identity Theft report, showing that this is a case of fraud, and have gone through all the proper channels of reporting it to local and federal authorities. Now, it is EQUIFAX that is violating the fair credit reporting act by not removing the fraudulent information in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XX/XX/XXXX TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, Subject : Dispute and Request for Investigation of Inaccurate Information on my Credit Report I am writing to dispute certain items on my credit report provided by TransUnion, XXXX, and XXXX. After recently obtaining my consumer report, I have discovered inaccuracies related to the collections accounts associated with the following creditors : XXXX ( account number ending in XXXX ), XXXX  ( account number ending in XXXX ), and XXXX XXXX ( account number ending in XXXX ). 

The inaccuracies that I am disputing are as follows : Incorrect Date of Birth : My date of birth is inaccurately reported as XX/XX/XXXX However, I can provide concrete proof through my official identification and citizenship papers that my correct date of birth is XX/XX/XXXX. 

Account Opening Date : The accounts with the above-mentioned creditors were reported as opened before I turned XXXX years old. As per my correct date of birth, I was born on XX/XX/XXXX. Therefore, it is evident that these accounts were opened before I reached the age of XXXX, which is incorrect and a violation of credit regulations. 

I kindly request a thorough investigation into these matters to rectify the discrepancies in my credit report. The presence of these inaccuracies negatively impacts my creditworthiness and financial standing, which may hinder my ability to obtain credit and loans in the future. 

I can provide copies of my identification documents and citizenship papers to support the verification of my correct date of birth. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days from the date of receipt of this dispute letter to conduct your investigation and provide me with the results. I request that you promptly send me a written response outlining the actions taken to correct the inaccuracies on my credit report. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute and look forward to a timely update of my credit report. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Michigan, 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 non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I settled with portfolio recoveries and they wrote a letter stating balance paid in full but yet still they continue to report wrong amount and input incorrect data

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: MA

Complaint narrative:
US Bank advertised a {$600.00} bonus, which I signed up for with the appropriate code and followed all steps to a T that were given to me by an employee of US Bank when I signed up. They denied this promotion 120+ days later when I filed my original complaint with cfpb. This is when they mailed me a letter with this information and provided that if I still disagree to mail in all documents in regards to the promotion. This was sent in over 3 weeks ago and I've had zero response from the company. Therefor I am attaching all documents here as well. The next step will be legal action. I am already planning on leaving US Bank as I am dissatisfied with the absolute disorganization of their company and their predatory tactics. I would like this {$600.00} promotion paid out to me ASAP or the next steps will commence. Below is the ORIGINAL COMPLAINT with cfpb. 
________________ I signed up for a US Bank XXXX XXXX Checking Account in XX/XX/2023 with an advertised {$500.00} Bonus for funding the account and maintaining a {$3000.00} Balance of " New Money '' ( AKA new money, new to this bank account ). I also qualified with the same code for a {$600.00} bonus for opening a payment processing account and making a sale of at least {$50.00} to be direct deposited into the same Business Checking Account. I worked hand in hand with an Agent and clarified all details to make sure all requirements were met and I was assured by my agent XXXX that all requirements were met. I was supposed to receive both of these bonuses within 45-60 days of the account being funded and the payment being processed. It is now beyond that time. I made business decisions factoring in these bonuses and I have left more funds in this account than I wanted to just to let this settle so I could get the bonuses. I would like this {$1100.00} credited to my account immediately. US Bank has not shown themselves as reliable so far because of this situation. I've called a few different occasions and it seems every department redirects me to another department supposedly responsible and nobody can give me a definitive answer what is going on and when this is hitting. I have saved receipts and saved correspondence of the entire process and would like this resolved as soon as possible. 
__________________

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 2023-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
I paid my {$310.00} medical debt in full to the company that owned it at the time, Action Collection Agency of Boston. On XX/XX/23, they cashed my check. 

On XX/XX/23 and again on XX/XX/23 I was contacted in writing by XXXX XXXX XXXX, who attempted to collect the same debt, this time for {$330.00} but for the same procedure carried out by the same provider on the same day. 

My guess is that Action Collection Agency of Boston both cashed my check paying the debt and also sold the debt to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have an active payment plan in place with JPMBC. Instead of showing paid JPMBC started reporting the account as a charge off. The amount of the balance is incorrect. I have called, the company, my lawyer, and credit monitoring company. JPMBC has not fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: NV

Complaint narrative:
My mom got a call from XXXX XXXX XXXX advising her that they will send a complaint to the court for felony fraud for a pay day loan I took out in XXXX with check n go. My mom called me worried gave me a XXXX and a number to call .I called XXXX he said he is with XXXX  and said he will have the lawyer 's from his company send off a complaint with the state of nevada for fraud for a checking account I closed in XXXX, in which stopped check n go from collecting payments. I got scared because I have a high risk XXXX. I paid XXXX {$400.00} towards a {$810.00} loan for check n go. I called check n go to confirm they sold the debt to XXXX XXXX XXXX Check n go advised me no and gave me the name of the collections agency that they sold the debt too which is XXXX XXXX. Check n go advised me to reach out to XXXX XXXX to settle the debt. I called XXXX XXXX spoke to XXXX, she advised me they bought the debt the date and year and they still have the debt. I told them about XXXXXXXX XXXX XXXX they advised me that they don't know who this company is. I want my refund back for {$400.00} and I don't want this company contacting me or my Mom again and I don't want them attempting to withdraw any more money from my debit card. I'm working with XXXX XXXX to take care of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XX/XX/XXXX XXXX Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, Subject : Dispute and Request for Investigation of Inaccurate Information on my Credit Report I am writing to dispute certain items on my credit report provided by XXXX, XXXX, and Equifax. After recently obtaining my consumer report, I have discovered inaccuracies related to the collections accounts associated with the following creditors : XXXX ( account number ending in XXXX ), XXXX ( account number ending in XXXX ), and XXXX XXXXXXXX ( account number ending in XXXX ). 

The inaccuracies that I am disputing are as follows : Incorrect Date of Birth : My date of birth is inaccurately reported as XX/XX/XXXX However, I can provide concrete proof through my official identification and citizenship papers that my correct date of birth is XX/XX/XXXX. 

Account Opening Date : The accounts with the above-mentioned creditors were reported as opened before I turned XXXX years old. As per my correct date of birth, I was born on XX/XX/XXXX. Therefore, it is evident that these accounts were opened before I reached the age of XXXX, which is incorrect and a violation of credit regulations. 

I kindly request a thorough investigation into these matters to rectify the discrepancies in my credit report. The presence of these inaccuracies negatively impacts my creditworthiness and financial standing, which may hinder my ability to obtain credit and loans in the future. 

I can provide copies of my identification documents and citizenship papers to support the verification of my correct date of birth. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days from the date of receipt of this dispute letter to conduct your investigation and provide me with the results. I request that you promptly send me a written response outlining the actions taken to correct the inaccuracies on my credit report. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute and look forward to a timely update of my credit report. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief