vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
The company name is Rent Recovery Solutions. A little over 6 months ago I had to cut my lease short due to financial issues. I talk to my apartment office and they understood and told me what to do. To paid the month ( XXXX ) and they next ( XXXX ). I left at the end of XXXX and I paid the rent for both XXXX and XXXX before I left. When I opened my credit account around XXXX I had saw that they are trying to collect a debt that I dont owe. The amount is {$3900.00}. They dont have a number I can call nor and website. I believe it to be a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NJ

Complaint narrative:
This debt was paid when wages were garnished beach in 2019. I received a letter from the court stating it was paid in full. They have now come back twice trying to garnish again over the same debt. 
They are saying {$1500.00} are owed that was all paid already. I called many times and I have been put on hold. This is ruining my credit and my health. I need this to be settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: RI

Complaint narrative:
I have an auto loan with Truist Bank. I have recently moved from XXXX to XXXX XXXX and need to register my car in the state. In order to register my car, the State requires that I have the police department perform a VIN check and for that I have to present the title even if there is a loan on the car. I talked with Truist by phone twice. First, I was told that the State had to request the title. The State 's policy is that it will not request title information from lienholders or leasing companies. The State told me I needed to request the information. I spoke with another person at Truist who said that I could request the title myself by only by fax. I did that by fax on XXXX - requesting that the bank send title information to the XXXX DMV. The State received nothing. The State told me I should request that it be sent to me as the State will give it to me anyway when the State receives it so I can take it to the police department. I requested that of Truist on XXXX by fax and on XXXX by email. I did a chat with the Bank today and it refuses to send the information to me. I have a transcript of that discussion. I need to register my car. I need evidence of title so that I can comply with the State of XXXX XXXX XXXX registration laws. Thanks.

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 2022-06-10 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: NJ

Complaint narrative:
I called Tell them I have a fraud account but I cant understand them and they help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: IL

Complaint narrative:
When I tried to logon to my Experian account on XX/XX/2022 my User ID and/or my Password were not accepted. I then tried to reset my credentials using the Experian website application. I was notified that instructions and a link would be sent to me by email. 

My actual email address is XXXX. The address the reset instructions were sent to was XXXX. So the address referenced in the message from Experian appears to be partially correct and it was also partially wrong and the .com extension needs to be deleted.

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 2022-06-10 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: NJ

Complaint narrative:
I called Tell them I have a fraud account but I cant understand them and they help me

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 2022-06-10 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: NJ

Complaint narrative:
I called Tell them I have a fraud account but I cant understand them and they help me

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 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In the year 2022 so far, I've seen my app and desktop services malfunction at least half the time, well over 15 times when trying to use them. My phone app repeatedly lies and tells me my phone isn't register so I'd have to redo it, the face ID doesn't work. Then the desktop gets essentially unusable and stays stuck in loading phase at the beginning of opening the desktop system. Only once have I called and they said " we're having a current down time maintenance '' as if there may be some explanation. Otherwise the reps seem to chalk it up as something they'll " look in to. '' I haven't seen any resolve and this system sucks horribly. Also I don't have a wave tip option to my atm card so w covid I have to sit there and punch in the codes and get exposed everywhere I go.

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 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Responding to a promotion ( Citibank gives you {$700.00} for opening a new account and depositing {$50000.00} into it ), XX/XX/2022 I opened a new checking and savings account online, via the Citibank website, and transferred {$63000.00} and {$2000.00}, respectively, into the new accounts, from accounts I had that were paying little to no interest with XXXX XXXX and XXXX Bank. Fewer than 10 days later, while I was out of the country visiting my family, Citibank closed the accounts ( due to an issue with XXXX, I believe, after visiting a local branch to try to resolve this ). A few days after my return, a check arrived in the mail for the {$2000.00} I had depositied into the newly opened ( and now closed ) savings account -- but nothing for the {$63000.00} I had deposited in the newly opened ( and now closed ) checking account. That was 2 months ago, and I am still waiting ( and calling and worrying ). 

I have had a credit card with Citibank for many years ; that's how I received the promotional offer. And, as indicated above, I have checking and other accounts with XXXX XXXX, XXXX, XXXX XXXX, XXXX and others. I can not immediately understand why Citibank could not confirm my identity -- if indeed that is the reason they quickly closed the accounts and froze my money. 

Over the course of the past many weeks, I have called Citibank multiple times, spoken with multiple people, often given multiple and conflicting explanations. Several times I was assured that a check was " in the mail, '' but no such check ever arrived. I went to my local branch office 3 weeks ago -- and again this past Monday. The young many there was very patient and friendly, and made calls to different people within the corporation. But ultimately he was unable to get any solid answers -- much less my money. 

I have read online about nightmare scenarios similar to mine where people waited 5 or 6 months to finally get their money. I'm hoping someone can help me resolve this sooner than that, but of course before we know it we'll have arrived at the 3 months mark. 

I can not tell you how many nights I have woken up in panic wondering if I will ever get my money back. I have lost weight. I have treated my household members badly. Family members tell me they see how this is on-going ordeal is actually making me physically ill, and now too are worried. How are banks allowed to do this to simple, honest people like me?

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 2022-06-10 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: MD

Complaint narrative:
I have two disputes with Experian credit report I have tried summiting the disputes online the website tells me I cant dispute it because I already have on the same subject, which is untrue and to call. When I call they refuse to help resolve this and are rude. It seems they are purposely doing this to be retaliatory for previous lawsuit and have no intentions on making it right. 
First dispute is for XXXX XXXX XXXX they are reporting I opened an account in XX/XX/XXXX which is not true the account was opened in XXXX also the amount {$1500.00} is incorrect. They have erased this very item from my credit report for being inaccurate yet they keep adding it back on. Second I randomly had an inaccurate address show up on my report a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to dispute it, it would not allow me to dispute it and said it was reported by XXXX XXXX associates the very creditors that was trying to sue me and it said in order to remove it I have to contact them. Experian 100 % knows this is inaccurate and I believe is working with this creditor. Both of these credit companies tried and sue me and I got my attorneys involved to put a stop to it. I believe this is retaliation.

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 2022-06-10 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: IL

Complaint narrative:
In accordance with the Fair Credit act The XXXX XXXX XXXX Bank Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
My HSBC checking account has been suspended and I have been unable to access my money for 6 weeks. Every support agent says account is under review and there's nothing they can do. The last one said I would be getting a letter in the mail in 3 business days and that was 10 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am opening a complaint following my previous complaint ID : XXXX. In that complaint I had mentioned that on XX/XX/XXXX, I balance transferred {$13000.00} from my Capital one credit card app to my husband 's XXXX debit card. I found out the next day that the debit card does not accept incoming transfer. So I called Capital one and asked them to put a stop to it and cancel the transfer. They could not do it and I was told that I have to wait for it to be rejected and be refunded back to me. 
It has been more than XXXX weeks and the transfer was not rejected and has not been sent back to us and XXXX is saying that the transfer has not been received. 
Capital One has not provided any proof, transaction ID or trace number about the transfer and XXXX has no way of tracking what has happened to the money. 
I have opened many cases with Capital One and they keep closing them without any resolution to our problem and finding out where the transfer is. Capital One back office has to talk to XXXX back office and figure out where the money is! The transfer has filled up my credit card limit and brought down my credit score a lot! 
In response to our complaint ID XXXX, capital one promised to fax XXXX the proof of the balance transfer. I called Capital One and provided the fax XXXX XXXX. Attn : XXXX XXXX XXXX weeks ago, but Capital One has not sent any proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 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: CT

Complaint narrative:
I filed a complain one month ago with Equifax and I was told that XXXX XXXX will be deleted from my account. As of today it's still showing. Please delete XXXX XXXX reporting from my account as soon as possible. See attached for the prior complained.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-10 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: VT

Complaint narrative:
I get called a minimum 3 times a day XXXX XXXX XXXX XXXX XXXX and sometimes up to 7 calls a day over a missed monthly payment. I have also received voicemails saying that if I do not contact them back by X date they will negatively impact my credit. Most of the time they call from an unlisted number and do not leave a voicemail which is not a good way of making sure that I know why I was called in the first place. These are the same robo-call tactics that phone scammers use. This has been going on for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TransferWise Ltd
State: WY

Complaint narrative:
Hi I was applied for wise account, the account was verified and I was order the card but after some time my account was deactivated when I try to appeal they are saying that you can't appeal. 
Kindly help me to resolve my issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit act The XXXX XXXX XXXX Bank Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-10 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: IL

Complaint narrative:
In accordance with the Fair Credit act The XXXX XXXX XXXX Bank Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Kikoff Inc.
State: GA

Complaint narrative:
I reached out via Email as well as phone and have received no correspondence from XXXX XXXX

Company response to consumer: Closed with non-monetary relief