vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 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: FL

Complaint narrative:
This company reported late payments for my federal student loans for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've provided this company with a forbearance letter from XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that my loan was in forbearance for those dates. Most recent, this company has updated loans that were paid off due to teacher loan forgiveness by moving the late payments from the aforementioned months to : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments have not been corrected, they were moved to later dates including national forbearance dates.

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 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was a Simple Bank user. BBVA USA acquired Simple and closed it this past weekend. My account was supposed to seamlessly transition to BBVA but their mobile app crashed in the process and I have been unable to access my account for 5 days now. Communication with BBVA has been sparse and there is no hint of a solution for this. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/2021 I made a withdrawl from my checking account ( XXXX XXXX XXXX XXXX XXXX to Cash App of {$300.00}. Only to receive a prompt saying " oops something went wrong ''. I checked my card number, banking information all are correct. I tried emailing Cash Support only to get no response. On XX/XX/2021I received an email message stating that it was my bank that rejected the transaction. Then I was told to call my bank to remove any blocks on all accounts. I did that. XXXX assured me that there no holds or freezes on any of my bank accounts. In fact they approved the transaction for Cash App. I have a receipt for the bank transaction. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX Representative - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. 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 Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
We were gifted a Vanilla Gift card for {$500.00} purchased at XXXX. The first time we used it, it had just XXXX cents on the card.

We have talked to the Manager and corporate at XXXX without any results. 
We have filed a case with Vanilla card and they came back after about 2 months saying case is closed. 
RE : Vanilla Product Ticket XXXX Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the referenced ticket above.

After reviewing your account, we have verified that your card was present during the time of the purchase ( s ). Under the Network Regulations, we do not have recovery rights to file a claim.

Your dispute is no longer under review. With the denial of this dispute, we consider this matter closed.

If you have any questions, please contact the Resolution Team at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Earm LLC
State: TX

Complaint narrative:
I have received several phone calls via a robo dialer to my cell phone since the beginning of XXXX from a company called MAC from several different phone numbers. One representative, who called at XXXX XXXX on XX/XX/2021, stated his name was XXXX XXXX on voicemail and said that if I do not respond then " they will turn my case over to the county where is reside. '' He is not the only one that has left me these types of voicemails. I also received a call from someone named XXXX saying the same thing on XX/XX/2021. The number I was told to contact them at is XXXX. Not only is this threatening, this is also pre texting ... they are using scare tactics to force a debt to be payed, and I insist that actions get taken against this debt collector, so they won't use these illegal tactics against someone else. I have saved all voicemails if they are needed.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had someone tap into my accounts and steal {$770.00} from my savings account and {$1100.00} through my debit card I filed a police report and called bank immediately I closed those accounts. Then they charged me international fees on top of it. The bank fraud department says they looked into it and it's my fault! How is this my fault? They never even contacted me about the these unusual large sums yet they put a hold on my account a few days earlier about {$94.00}, which wasn't even a problem. I desperately need this money back and banks do have insurance for this. but no one is helping me. It is TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 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: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
Amsher collection Services was sent a letter of dispute. After review of my credit reports, Amsher has not marked my account as disputed as required by the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: MI

Complaint narrative:
i have a mortgage still associated with my credit from 15 years ago. she has re financed per the court order yet it still shows. she has missed numerous payments and is destroying my credit. 
MOST IMPORTANTLY tho. i have bankruptcy on there from XXXX of XXXX i never filed for bankruptcy. please help and remove this asap. Im going to lose everything because of someone else. please please please 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 explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
when covid hit i was approved for mortgage forbearance from XX/XX/XXXX to XXXX XXXX i started making payment in XX/XX/XXXX, and was approved for the balance due on my loan to be put on the end of the loan. I started the process in XX/XX/XXXX and was approved in XX/XX/XXXX. I was at that time told it would take 4 to 6 weeks to process my paper work. it is now XX/XX/XXXX and every time i call Citizens One, which is my mortgage company they tell me it is in process and should only take a week or so, it is now 5 months later. every time i call is sounds like the clerk is reading from a script and nothing is being done to process my loan as they have told me was going to be done. i have asked to speak with a supervisor and they will not transfer me. i want to refinance my loan and i can not because Citizens is showing me past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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:
I disputed that my charged-off XXXX XXXX XXXX credit card was too old to still be on my credit report and should be removed. According to Experian Report Number : XXXX, Date Generated :XX/XX/2021, the results state that this tradeline should only remain on my report until XX/XX/2021. It's now XX/XX/2021, and it's still showing on my credit report. Unable to file updated dispute with Experian as they says its too recent from the last dispute. Please assist! I want this negative tradeline removed from my Experian file.

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 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
OnXX/XX/2021. Igot a call from Chase Bank asking if I authorize a transaction of {$9000.00}? I said no. They asked for my account number I told them I would call them back. I went into my account and seen someone had gotten into my bank accounts and made 4 transfers of {$25000.00} from my business and personal accounts. After going back and forth with the bank. They are telling me that I purchased a new device requested a 1time pin from the bank and made those transfers. I have not bought a new device and didn't make those transfers. I have also made a report thru the sheriff 's office in XXXX XXXX. Please help that is my retirement!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: GA

Complaint narrative:
The inquiries are not authorized. Please remove it 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 2021-05-12 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: GA

Complaint narrative:
The inquiries are not authorized. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: MI

Complaint narrative:
i have a mortgage still associated with my credit from 15 years ago. she has re financed per the court order yet it still shows. she has missed numerous payments and is destroying my credit. 
MOST IMPORTANTLY tho. i have bankruptcy on there from XXXX of XXXX i never filed for bankruptcy. please help and remove this asap. Im going to lose everything because of someone else. please please please 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 explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Illinois Lending Corporation
State: IL

Complaint narrative:
Illinois Lending has been contacting me about loan payment. I have already notified them that I have sent several written checks to their offices, to which they say they can not accept because they have no correspondence with the office I sent it to due to it being closed. I have made them aware that since these came from my electronic bill pay account through my bank, the money has already been taken for submission to them and I am awaiting the time where it is re-credited to my account. After this, the company started calling me more than once within an hour and then started calling me privately and leaving voicemails. I would sometimes get calls back to back from my regular phone from their XXXX number, then private calls from them following this with left voicemails identifying themselves, and later within the day they would call my business to speak with me and after speaking with me would call right back to let me know that they need payments after we had just discussed it. I have been contacted by XXXX, XXXX, XXXX, and several others both by anonymous ( private call ) and regular call with identification over 30 times this week alone and we are only 3 days in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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 did not authorize these inquiries which appear on 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 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). I attached the FTC reports AS WELL. Furthermore This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: GA

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. BANCORP
State: FL

Complaint narrative:
In XXXX of XXXX my husband & I purchased a 5th wheel RV. At the time both of us were gainfully employed. Within months of this purchase my husband became very ill and was XXXX in XXXX for approx. 1 week. Upon discharge my husband was unable to continue working. As he was XXXX at the time, he was able to file for social security retirement benefits. His retirement income was approximately 70 % less than when he had been employed. As a result of this, we were no longer able to continue payments and we voluntarily surrendered vehicle to US Bank. US Bank took possession of the vehicle in XXXX of XXXX. In XXXX of XXXX, we did receive a statement that there was a balance of {$23000.00} due on the account. Since then, I may have received one or two notices about the amount owed, but we did not have anywhere near that amount to pay them. My husband passed away in XXXX of XXXX. On XX/XX/XXXX I received a summons that I was being sued by US Bank. I had received no notification of any intention to sue, nor any attempts to resolve debt. The last notice I received from them was probably in XXXX or 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 2021-05-12 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: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I am aware of the oldest transaction that I took out money with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was about 2 years ago. It has been a while since I took out a loan due to being in school and pretty much they provide me with loans on behalf of the school. This new collection which is under the name of XXXX XXXX XXXX = Debt recovery solution is unrecognized due to never receiving letters which I should not due to not ever taking out another loan of {$310.00} by this company only XXXX XXXX XXXX XXXX. I tried disputing it with XXXX XXXX but they did not help. This new collection was recently placed back in XXXX and the new date that has changed to XX/XX/XXXX. I am always checking my credit due to having to keep track of the loans that I receive from the school which is how I noticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: AR

Complaint narrative:
I have been having a very difficult time getting feedback from this credit agency. I have sent in the needed items, such as copies of driver license, birth certificate and current utility bill, to verify the items on the credit report are inaccurate. TransUnion is verifying items with personal information that is incorrect, which means it should not be on the credit report. This has caused my family and I great duress. I have gotten denied for housing, paying higher fees due to this inaccurate information. 

The Fair Credit Reporting Act, under 15 U.S.C. Sec. 1681i ( a ), TransUnion has failed to investigate and verify these items within 30 days. To also prove there was an investigation performed and just wrote of as an 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 explanation
Consumer complaint received 2021-05-12 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: LA

Complaint narrative:
I would like to be provided investigation results and be provided validation of the accounts being reported on my credit report. It is my right as a consumer to dispute information that is inaccurate and false on my credit report, please investigate and send me my updated copy of my credit report to my current address. I will attach my letters regarding the information and accounts that I would like to be removed from my credit report below. I have unauthorized inquiries on my credit report that I have no contract or no affiliation with those creditors that's reporting on my report and other information that needs to be removed 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 explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian, XXXX, & XXXX will not mail me a file disclosure of my credit report. After forwarding certified letters over the past several months, I am being rejected to view my 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 2021-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a refund check from Synchrony Bank for the amount of {$750.00}. I have been trying to get the check reissued as the check is expired. It has been since XX/XX/21 that Ive been trying to get a check reissued to me. I have spoken to 4 different representatives. I have a reference code ( XXXX ) and have addressed supervisors during each call. I keep being told that it takes 10-15 days for the check to be reissued. Its been months. I still have the check. I offered to mail it back. They have admitted that I have not received the funds or cashed the check.

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