vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This company is currently showing 30 days late for the month of XX/XX/2022 as reported in XXXX Credit bureaus. I have read enough to understand my rights. The late history should not be showing late. The Bureaus are attempting to violate this clear understanding. Please investigate and reported the payment status positive and update all late from reporting on this account. 
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 explanation
Consumer complaint received 2023-07-27 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: VA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Credit Solutions, Inc.
State: AL

Complaint narrative:
My information was sold to the debt collector without my consent. The debt was reported as a lost to the IRS by the original 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 2023-07-27 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: GA

Complaint narrative:
On XX/XX/2023, and XX/XX/2023, I contacted XXXX XXXX regarding a wrong or an error late payment reporting. After the representative transferred me to the manager in charge. He stated that the payment by ERROR was skipped the previous month, and got applied to the next or following month. Since you've never been late, and you have a great payment history. I would suggest you only way for resolution is to contact the credit bureau reporting this mistake by ERROR in this case EQUIFAX. I have NEVER been late and may payment history is always on-time and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: CA

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: VA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-07-27 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: VA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-27 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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 2023-07-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello there I got a credit card from Bank of America in 2017 and I was paying regularly all the payments until I lost my job at the time of Covid and I stopped paying for the reason that the bank itself does not reduce the payments that I was paying in all my payments for example I paid more than seventy percent of the borrowed amount and I did not get Except in installments of the same value, as if I had not paid anything, and for this reason I stopped paying them. I hope you study these types of problems with Bank of America

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 2023-07-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC

Complaint narrative:
On XX/XX/2023, I filed a CFPB complaint : XXXX against Carrington Mortgage Services , llc . CFPB received a response to my complaint from Carrington Mortgage on XX/XX/2023. I was never made aware of the XX/XX/2023, Carrington Response to CFPB until XX/XX/2023, delivered to me by XXXX with tracking. 

Please be advised that CFPB has redefined Complaint : XXXX as follows ; Alias, Complaint ID : XXXX. Apparently, CFPB has made an assumtion that Carrington served a timely copy at the same time of their receipt and immediately closed my case. Yet, as stated in paragraph one, I never received a copy until 3 months later. Otherwise, it would be unlikely that I would have to be filinig this third complaint against Carrington Mortgage. 

In this case I am charging Carrington Mortgage with a 'Criminal Act of Extortion ' in wrongfull solicitation of {$200.00} from money from me by telephone.the solitci. The first two pages in their response is as follow ; " We assumed that you were lapsed on your homeowners insurance therefore we paid our insurance company to take over as your new homeowners insurance company. Initially having received a letter from this company I called and spoke with one of their employees. I informed her that my homeowners insurance was paid up to date and had sent them receipts. She told me that we have no record of your payment. She went on further to say that if I did not authorize a payment of {$200.00} to Carrington Mortgage that they would move to process the entire loan amount on my property due. With doubt that they actually paid {$200.00} to an insurance company without giving me notice, I surrendered my checking account number to her over the phone. The company now admits in their response that they were wrong to have asked me for this payment. So what is legal argument does Carrington have to not return my money by check? They sent me a letter stating that they had already paid an insurance company on my behalf. I'm not buyiing that as the truth and if unchallenged they are making a lot of money from this homeowners insurance scam. Furthermore, if I don't receive a check from Carrington Mortgage in the amount of {$200.00}, I will take legal action against them as evidenced by this case # XXXX and file a new case against Carrington Mortgage with CFPB. 

I strongly urge CFPB to advise Carrington Mortgage to send a check payable to XXXX XXXX XXXX, XXXX, in the amount of {$200.00}, before or by close of this now third complaint. If my request is not resolved by this informal request, I will refer it to the next higher level.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Citizens Bank will re-open checking accounts if a deposit is made by accident, and then charge fees associated with the account. This is done after customer requests account closure, and re-opening does not require Citizens to notify the customer- although frankly the account should just stay closed. 

I requested my checking account be closed with Citizens Bank on XX/XX/2022. On XX/XX/2022 a direct deposit was made to the account due to a tax refund from XXXX. This automatically re-opened the account ( 2 months later! ) and since then 7 fees have been assessed ( only other transactions on the account ) for {$9.00} each, cumulating in nearly {$70.00} in fees. 

On XX/XX/XXXX, I am attempting to re-zero the account again, and then will have to call again to request closure, or fees will continue to be assessed. They will not or can not close the account in a way that prevents future transactions from automatically re-opening the account. They claim this is the terms and services of the account, but it is abusive in that the thing that happens automatically is that Citizens recieves deposits, processes charges, and collects fees, but what can't happen automatically, or even at customers request is to prevent future transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank closed a brand new account without warning. 
Was told I would receive a letter in the mail, along with my frozen deposits. Have yet to receive any form of communication since XX/XX/XXXX with the account was closed with no reasoning / communication. 
As a single mother, it set us back financially, months, and kept my paychecks from being deposited. 
I have called multiple times and emailed now 5+ times.

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 2023-07-27 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: TX

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries 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 2023-07-27 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX 2. XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-07-27 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I was purchasing a puppy which was {$900.00}. I sent the money to the person I was making a purchase. within 8 hours I did not receive further communication. I called XXXX and told them I thought I was scammed and fraud happened. Then they come back and say they can not get my money back from Chase Bank which houses the fraud account used to steal hundreds of thousands. It seems like these banks are promoting theft and fraud and they do not do anything about it as a consumer, this is not fair. You think your money in a bank is protected but I can see they are not. Chase Bank is allowing scam artist to house their money. When other backs try to get their stole money from these scam accounts, they reject them. Chase Bank needs to be investigated by the government if this is their practice. It's a fake website to act like people can purchase puppies then they steal people 's monies and send it to their Chase Banking account. It's like Chase is promoting these thieves and I want my money back. XXXX disputed it twice and chase still has not released my {$900.00} from the scam account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: IN

Complaint narrative:
in review of my credit file i see two recent inquires on my 3 credit reports that i believe are fraudulent. 1 ) XXXX XX/XX/2023 & 2 ) XXXX XXXX  XXXX XX/XX/2023 I would like these two inquires removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: OH

Complaint narrative:
I request that you eliminate the erroneous late payment from my 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 non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Compass bank is closed my irs check went into acct number XXXX XX/XX/2022 but they cant help because Pnc bank bought them out and they cant give information about the bank acct. Im trying to recover my {$3900.00} income tax refund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Truist Bank promises a promotional offer of {$400.00} for certain checking accounts if the user completes at least two qualifying direct deposits, totaling {$1000.00} or more within 90 days of account opening. I completed those criteria, but was denied the reward.

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 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: GA

Complaint narrative:
I reached out to the credit bureau regarding credit inquiries and a collection account that is not mine, and I did not authorize.

According to 15 USC 1681- it is defamation to my character and livelihood.

Company response to consumer: Closed with explanation