vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When applying for a refinance on my auto loan the company I applied through only checked my XXXX report. Which was frozen. I Was told they would be checking Experian therefore I had lifted my freeze For XXXX days with Experian. XXXX days following this incident I took a hit to my credit score with Experian due to a hard inquiry during that time period. Upon checking the name of the company listed on the inquiry it was not related to the application for refinancing. I called the phone number listed for the inquiry and spoke with what I found out to be a credit union that could not explain to me why they had an inquiry listed on my credit report. So I proceeded to move forward with a dispute through Experian for what I assume to be a mixup. I explained the situation to XXXX different representatives from Experian both of which insisted that I proceed through the fraud department which I felt was extensive and a waste of time and resources. But due to the drastic change of my credit score and no other options I spoke with the fraud department and explain the situation. XXXX told me that he could not tell me The information that he had but he could not dispute that inquiry and then I was out of luck and proceeded to ask me if I had any other inquiries I wanted him to dispute. I continue to ask what my next option would be to have it removed and he said to call the company in which I had repetitively explain to him I already had. I told him that if this were the case then indeed it would be identity theft and to proceed with that plan. XXXX told me that he could not do that either. He told me that I was stuck with us even though we had no answers to why I had it other than the information that he apparently had about the inquiry and would not give to 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 2021-12-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANDY SPRING BANCORP, INC.
State: MD

Complaint narrative:
I'm XXXX XXXX years old, retired, total annual income about $ 50k. I want to buy new residence home for $ XXXX - I have $ XXXX in my savings accounts and I need to borrow $ XXXX against my XXXX properties ( fully paid-off, no debt ) as collateral valued over {$1.00} mil. until I sell my present residence in XXXX months. I don't want a mortgage, I need a home equity loan or bridge loan or personal loan, whatever the name of this loan is. Regretfully, today the banks do not do this kind of business anymore since they started to operate under " guidance '' of the congress after XXXX  financial crises ( created by the banks and the congress itself ). In other words, banks stopped being a bank in a classical sense. I addressed many banks - XXXX XXXX ( over 30 years with this bank, paid off several mortgages in the past ), XXXX  XXXX XXXX, XXXX XXXX, local banks- Sandy Spring Bank and XXXX XXXX, etc. - no bank can offer me a loan against collateral... 
Please advise where I can borrow $ XXXX against {$1.00} mil. collateral. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: VA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: TX

Complaint narrative:
I recently received an answer to a dispute which state that the accounts XXXX XXXX : XXXX, XXXX XXXX BANK CAR : XXXX, XXXX XXXX BANK : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX : XXXX, XXXX XXXX BANK CAR : XXXX, XXXX XXXX BANK : XXXX and XXXX XXXX XXXX XXXX  : XXXX. 
This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Regional Management Corporation
State: SC

Complaint narrative:
During initial contact with XXXX, I disputed this account. I was sent a check from XXXX XXXX XXXX in the amount of {$240.00} issued XX/XX/XXXX which states the date of loss is XX/XX/XXXX which prove this account was paid. I have yet to receive a response from Regional Finance. I contacted XXXX on the morning of XXXX XXXX. I asked for the contract to be sent to me I was told that I would receive a call back. I never received a call. I contacted Regional Certified Mail Receipt on XX/XX/XXXX for validation and a notification of disposition, waited 14 days, no response. I contacted Regional again on XX/XX/XXXX certified mail as well regarding the same accounts. According to XXXX. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT there should be a response within 14 days regarding information referring to " collateral. '' This account is paid and has been paid, this company is reporting two separate accounts regarding these experiences. Please remove these late payment or " experiences '' from my credit report in failure to respond in the allotted time and report accurate credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: IL

Complaint narrative:
Hi Transunion has a 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 710. transunion has me at a score around 592. 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 n 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 us 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 XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-02 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: IL

Complaint narrative:
Hi XXXX has a 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 710XXXX XXXX has me at a score around 592. 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 n 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 us 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 n 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 XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

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 2021-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
My account was hacked on XXXX, I contacted them immediately after it happened and lost over {$4000.00} to scammers. XXXX has been investigating this issue since XXXX and ive yet to get an update. There users continue to get hacked and lose money ane they dont care!!! Its irresponsible unethical and XXXX illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have tried to directly fix this with Experian to no avail. I submitted a complaint ( number XXXX ) through the cfpb. Their response was they suspect a third party involvement. I called the cfpb help line and was given a number to call. I called the number several times several different ways and was not given ANY option to verify that the request was from me. Nor was I given the opportunity to talk to an agent. This is obviously Experians way of not dealing with consumers complaints. Just claim third party and it will go away! ( A lawyer is assisting me the individual you are harming, not a third party submitting the complaint. ) Warning to Experian, deal with this now. Next time you will be in court!

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 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello I contacted my bank and let them know I lost my bank card this is very unbelievable I never in my life experience this. And my debit card was use for {$3900.00} dollars of my hard working money. I really need my money and is under XXXX due to this happening I pray to XXXX find the thieves I have a XXXX XXXX XXXX daughter this is very terrifying.

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 2021-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase was supposed to close my account on XX/XX/2021, due to insufficient funds. A friend of mine was loaning me money to make my credit card payment of {$480.00} due to how ive been struggling lately. She sends it through XXXX by accident & it covers my negative balance of over {$2000.00} with Chase. The account was supposed to be closed, I called chase a minute after she sends it & they say theres nothing they can do. Its infuriating how big banks take advantage of XXXX people when theyre a big part of the reason were XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: DISCOVER BANK
State: TN

Complaint narrative:
XX/XX/XXXX, received letter stating if full amount ( three months late ) wasnt due, they would report it to credit. Paid on XX/XX/XXXX, in full to make account current. Reporting turned in on XX/XX/XXXX. 

They blackmail people regularly, when I was overdue by XXXX day an employee lied and said I would now have to be on auto payment, I signed up for the auto payment, and then it wasnt going through and I was only notified through the discover student loans website, no email until the threatening letter. Then once I followed through with the threat, they did it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$43.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$3100.00}

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 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
XXXX XXXX is trying to send me to collection for an insurance policy, that I cancelled my insurance agent cancelled. When my insurance agent called in they said that their computers had malfunctioned and that's why, I had initially received the collection letter. I thought this matter was taken care of. Apparently, it still is not. If XXXX XXXX continues to pursue this i will file a counter suit, alleging FDPCA violations. This is your last warning.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
date XX/XX/2021 i went and made a deposit of {$2000.00} from the outside ATM at citibank in XXXX, NY XXXX. I contacted customer service when it happened. the atm only gave back my atm card with no cash or receipt. I filed a complaint and they credited my account then took the funds back after XXXX months. i feel violated that they stole my money and want that bank investigated. I will contact a lawyer to further proceed my investigation.

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