vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/2021, I noticed while during online banking that my CitiBank savings account had been blocked. I continued to check off and on and the account remained in the same status. 

I finally contacted XXXX over the phone and was told he could not give me any information. A few days later, I visited a branch and asked to speak with a personal banker. She was unable, according to her, to see my records and why the account was blocked. 

A few weeks later, after I calmed down enough to talk to someone else, I contacted the telephone number in the letter received. The representative, XXXX, could not share any information with me over the phone. My question to her as well as to XXXX was why was my account blocked and who can I talk to or where do I need to go to talk to someone. 

For over XXXX years, the {$10000.00} was just sitting in my checking account and I decided to move it from my checking to a savings account. That's when the issue happened. 

I feel that I am entitled to know XXXX ) why the account was blocked, XXXX ) why my funds were not accessible to me when I presented my ID at the bank, and XXXX ) why is it taking the bank so long to return my funds? The letter also indicated that all accounts associated with the savings will be closed ay the end of XXXX thereby, causing me to contact all companies where I have autopay.

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 2022-02-09 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: TX

Complaint narrative:
I have new and updated information from the credit reporting agency TRANS UNION. TRANS UNION did not comply with a proper investigation when I disputed the fraudulent hard inquiries on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). TRANS UNION responded by stating that I did not include my address on the FTC Report and they could not delete those inquiries because of that reason, although when filing an FTC Report form it does NOT require my address information in order to file a successful fraud complaint. This is a violation of my Federal rights because I have alerted and made TRANS UNION aware of the fraudulent, inaccurate and unverifiable information on my consumer report and they continue to report these fraudulent inquiries.This is causing me a great deal of emotional distress. I have provided a SECOND Identity theft report with my address in attempt to comply with TRANS UNION 'S request although the FTC does NOT require the address in order to file a complaint.

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 2022-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I noticed an inquiry for capital one back in XXXX, I called capital one and was told I was approved for a credit card that I did not apply for and that my last name was spelled wrong. I just received a letter from XXXX XXXX that they had a malware attack and my social and name were included in this attack.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Hi, I am embarrassed to say that I've been paying on my student loans since XXXX. I graduated in XX/XX/XXXX. My husband was in the military and after we settled in our first duty station in XXXX, I received calls to consolidate my loans. This was done with Sallie Mae and later transferred to Navient at 8 %. I had total student loan debt {$25000.00}. I was told to defer payments and when I got a job, I started paying in XXXX. Over the years I was steered into payment plans to lower my payments so I could afford it but never told to apply for income driven payment plan or that it was an option. I was put into income sensitive repayment. I asked if this is the plan to have forgiveness after so many years paying and the Navient rep said it was. For years, I just renewed my income as they needed. A few years ago, I asked how many more years before it is forgiven. It was at that point, I was told I was in the wrong plan for that. I tried to apply for IBR, but at a $ XXXX salary, I didn't qualify. 
I reviewed all of my past payments, and since XXXX, I have paid Navient a total of {$45000.00}. However, my debt as of today is still more than I originally borrowed. It is at {$34000.00}. 
I am defeated. I don't know what else to do. Navient steered me so wrong from the beginning and I have paid and paid. I can't see a way out of this debt. I can't afford to pay anymore a month than I already do. Please help! 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The age of the account ending in XXXX is old and outdated. It is over XXXX XXXX XXXX. The account needs to be removed from 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 non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The age of the account ending in XXXX is old and outdated. It is over XXXX XXXX XXXX. The account needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The age of the account ending in XXXX is old and outdated. It is over XXXX years old. The account needs to be removed from 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 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
Transactions are " parked '' in " pending '' to extract unauthorized interest. The intentional delay constitutes fraud.

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 2022-02-09 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: FL

Complaint narrative:
I have sent letter to the 3 credit reporting agencies to have hard inquiries removed from my credit report, as those were not my inquires, and I am unsure how they got there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: CT

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/ LATE PAYMENTS/INQUIRIES AND INACCURATE ADDRESSES from my credit report 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 non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A check was deposited into my bank of America account that I didnt deposited. No money was removed from my account but I needed to report this to clear my name I am having a hard time clearing my name

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 monetary relief
Consumer complaint received 2022-02-09 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.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. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Around the beginning of XX/XX/2022 ( I do not recall the exact day ), I decided taht I wanted to request a credit limit increase for my U.S. Bank Cash + credit card and my U.S. Bank Flex Perks Rewards credit card. I logged in to my U.S. Bank account through my browser and went through the steps to verify my income, rent, and other information and then submitted my requests. Nowhere in this process did it ever tell me that U.S. Bank would do a hard credit inquiry on me for this process. I am very careful to pay attention to this whenever dealing with anything related to my credit. I would not have consented to a hard credit inquiry for this process had I known that it would be a possibility. 

I later got letters in the mail from U.S. Bank, dated XXXX XX/XX/2022, for each of the two credit card accounts that I applied for the increase on. The letters both explained that they could not process a credit limit increase because there was a freeze on my XXXX credit report and said to unfreeze the report then call them back at XXXX. I called them back at that number on XX/XX/2022 and spoke to a representative who told me that they did not know if a credit limit increase request entailed a hard inquiry or a soft inquiry and that there was no way of knowing this. I told him that it is required by law to inform me when they have the possibility to do a hard inquiry on my credit history. He then transferred me to a supervisor. The supervisor stated that the online credit limit increase request process for U.S. Bank does inform users that there is the possibility of a hard credit inquiry but she could not provide any proof of this supposed consent notice. I was then transferred to the underwriting department where I asked why they had to do a hard inquiry on me for a credit limit increase. He could not provide any reasonable explanation. He refused to process the request for a credit limit increase with just a soft pull of my credit report. 

U.S. Bank is fraudulently making hard credit pull requests on users whom have not been informed of this possibility beforehand. This is deceptive and illegal according to the Fair Credit Reporting Act.

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 2022-02-09 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: MA

Complaint narrative:
I noticed an inquiry for XXXX XXXXXXXX back in XXXX, I called XXXX XXXX and was told I was approved for a credit card that I did not apply for and that my last name was spelled wrong. I just received a letter from XXXX XXXX that they had a malware attack and my social and name were included in this attack.

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX CARD Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/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 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX {$2100.00}, I did not owe any debt or were in contract with mountain view crossing. 

Although I disputed this before, it remains on my credit report. Stating that it is valid. Where is the proof. 

i demand a copy of my signature for any service or contract!!! 

There isn't one. I simply do not understand this debt and owe nothing to XXXX XXXX XXXX. 

Must be removed as it is fraud. 
from Transunion and 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 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XXXX of XXXX, I moved out of an apartment complex named The XXXX Apartments in XXXX, TX owned by XXXX XXXX. I received a Final Account statement on XX/XX/XXXX, for {$100.00} for the apartment cleaning fee. Due to my move, it totally slipped my mind that the balance was due, and the XXXX Apartments sold my debt to a collection agency. The Creditor 's name is Pro Collect Inc. Pro Collect placed the debt on my credit report on XX/XX/XXXX for {$580.00}. I have disputed this collection with all three credit bureaus at least three times, only to be told that if the creditor doesn't remove it themselves, then the credit bureaus can't either. 

I have sent documentation of the final account statement that the apartment complex sent me to the collection agency, and they still don't want to update the amount so that I can finally pay it off. I called back one more time to make sure that they received my email, and they confirmed that they did, but also added that the apartment complex told them that the amount is correct, when it is in fact not. I never received any other amount or notice from the apartment complex about a different amount. I have also tried reaching out to the apartment complex via email, and phone, but am constantly getting a runaround. 

The collection agency closed the account on my credit report for the same amount in XX/XX/XXXX. This issue is messing with my livelihood and peace of mind because I currently can not get another apartment until this issue is resolved. I am currently living with someone due to 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 2022-02-09 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: CT

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/LATE PAYMENTS/INQUIRIES AND INACCURATE ADDRESSES from my credit report 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 non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
During a check of our experion credit report we found that it was falsely reported that we owed a {$2.00}, XXXX bill to XXXX. This was reported by I.C. System Inc.the date of the bill was reported to them XX/XX/2021. We have had no business dealings with XXXX in the last 12 years and all of our bills were paid in full. We called XXXX and they know nothing about the bill. We called I.C. Systems and they refused to discuss the matter because the name on the bill isn't ours. XXXX tells us we have to talk to the creditor.

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 2022-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
XX/XX/XXXX called Heartland about my loan through mass no interest loan I was trying to find out if it could be updated to the national data system to be included for my tpd they said they couldn't they told be call the original leaner they gave me a number the company never hear of me call the school I went to find out information gave me little nelnet couldn't help me much either until information updated very stressed please help me

Company response to consumer: Closed with explanation