vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 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:
Company verified information but did not provide me any original documentation or signature.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi bank blocked my account since XX/XX/XXXX with XXXX $ and they closed my account with no explanation I called them 100 time send email and even went personal top the branch but no one is telling me the reason why my account was closed or where is my money. I called again today and they told me my money was sent to a XXXX and then hang up on me. it's been 94 day since they blocked my account and no access to my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25 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: National Credit Adjusters, LLC
State: OH

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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:
XXXX XXXX, XXXX North Carolina, started reporting an old debt that I originally was not able to pay starting in XX/XX/XXXX. On my credit report they closed the original account in XX/XX/XXXX and re-opened another in the same month, placed it on my credit report and began reporting as a charge off every month since XX/XX/XXXX. XXXX has not conducted a thorough investigation to conclude that what the company is reporting is accurate and correct. As of today XXXX they have hit my credit again dropping it by XXXX points. This was incurred over 7 years ago, I kindly and plead with the CFPB to force Equifax to do a thorough investigation and remove this account from my credit report. As of today, XXXX XXXX has changed all of the charges they had on the account with XXXX XXXX and current update as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2022, A unauthorized ATM transaction occurred of XXXX dollars. I disputed the next day and my bank Chime said ok we will investigate. 3 days later I get a email from chime saying that they found no wrong doing. That is impossible because on XX/XX/2022 I had my debit card with me in my wallet. So now I dont know if I will ever get my XXXX dollars back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
I tried disputing the account on my XXXX  account twice. Did not get solved so I called and I was told to get a policy report or to come on this site. That account for speedy cash does not belongs to me it belongs to a relative or person with similar name/address. I was under age when the account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a final invoice that came directly from XXXX showing the correct balance - there is no legal way to deny the true balance yet Experian continues to send me the same response saying the balance is correct - - 7 years of false reporting before I was able to get this invoice, and now it is being ignored this is illegal- I simply request the error is legally deleted or updated -- I had requested that Experian dispute and research the incorrect balance several times, but I had no proof as XXXX denied all my requests for more information - Now that I have the actual final invoice - Experian is still ignoring the error which continues to harm my credit and cost me time and money

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 2022-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Company verified information but did not provide me any original documentation or signature.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2022-03-25 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: CA

Complaint narrative:
Company verified information but did not provide me any original documentation or signature.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
These addresses below are outdated! XXXX XXXX XXXX, XXXX, AL XXXX. 
I have asked the credit bureaus to remove the address from my personal info and they refuse to update my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: TX

Complaint narrative:
After reviewing my credit report, I discovered some items that were incorrectly reported. The Congress has given me the authority to dispute and change information in my credit report that I believe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Siggi LLC
State: TX

Complaint narrative:
Omni Financial, XXXX North Carolina, started reporting an old debt that I originally was not able to pay starting in XX/XX/XXXX. On my credit report they closed the original account in XX/XX/XXXX and re-opened another in the same month, placed it on my credit report and began reporting as a charge off every month since XX/XX/XXXX. XXXX has not conducted a thorough investigation to conclude that what the company is reporting is accurate and correct. As of today XXXX they have hit my credit again dropping it by XXXX points. This was incurred over 7 years ago, I kindly and plead with the CFPB to force XXXX to do a thorough investigation and remove this account from my credit report. As of today, Omni Financial has changed all of the charges they had on the account with XXXXXXXX XXXX and current update as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I received an email from Macy 's XXXX XXXX that my account was past due, I called and explained that I had not used my Macy 's card in years and the number on my card didn't match the number on the account they had. They started a fraud claim on XX/XX/22 and stated it could take up to 3 months for the investigation to be completed and that I would not need to do anything until I heard from them. I then checked my credit report and they had reported me to the credit bureau which negatively affected my score while trying to refinance my house. They then mailed me 3 new Macy 's XXXX XXXX cards all with different account numbers, I called and they cancelled all 3 cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
I sent a final invoice that came directly from XXXX showing the correct balance - there is no legal way to deny the true balance yet XXXX continues to send me the same response saying the balance is correct - - 7 years of false reporting before I was able to get this invoice, and now it is being ignored this is illegal- I simply request the error is legally deleted or updated -- I had requested that XXXX dispute and research the incorrect balance several times, but I had no proof as XXXX denied all my requests for more information - Now that I have the actual final invoice - XXXX is still ignoring the error which continues to harm my credit and cost me time and money

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was sent a Cash App card in the mail on XX/XX/ 2022. I never made an account with them. I can't contact them without giving personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
These addresses below are outdated! XXXX XXXX XXXX, XXXX, AL XXXX. 
I have asked the credit bureaus to remove the address from my personal info and they refuse to update 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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
These addresses below are outdated! XXXX XXXX XXXX, XXXX, AL XXXX. 
I have asked the credit bureaus to remove the address from my personal info and they refuse to update 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 explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: NM

Complaint narrative:
On COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Trouble during payment process I contacted this department before in regard with trying to get an Itemization from the company. They had refused to answer the attorney General and XXXX, XXXX a staff requested that I contact this department for assistance. A decision was ruled in my favor. Since this decision the company continued to harass me stating that I'm falling behind and threatening to take me to court. They have constantly heard me. The loan is a VA loan with a general grace period. I mail the check a week earlier so it would get there on time. There is a week or two grace period couple that the check is sent a week prior. The bank is bullying me into trying to change bank. I have a low-interest loan which I pay {$2000.00} to lower the interest unless they can find another bank willing to take the mortgage with the same interest rate. I will not change bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I received a debt collection notification from XXXX XXXX XXXX in the mail, asking for an amount of {$17000.00}. The address was mine, but the addressee was a company called XXXX XXXX XXXX XXXX, which I have never heard of until today. I have not made contact with them, as I have no trust that XXXX is a legitimate debt collector, instead choosing to immediately file this complaint so the matter can be investigated properly.

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 2022-03-25 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: Premium Credit Bureau
State: KS

Complaint narrative:
Premium credit bureau pulled my credit report by request of XXXX XXXX  XXXX without my consent on XX/XX/XXXX. I have contacted both companies multiple times with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Paramount GR Holdings, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX I used and referred to my co-worker. They said he needed a co-signer. Then, they said he was good. I never signed anything. XXXX XXXX  people, XXXX and XXXX, signed my paperwork for my Panels. They signed my name as co-signer. I only realized cause my co-worker had problems with Panels and XXXX XXXX didn't fix it. So he stopped paying. That's when I get a notification that it's on my report. Co-worker currently has lawyer going after them and loanpal aka Goodleap. The loan company is now calling and emailing me to pay balance. I told them what happened and they are still coming at me. I just got email offer to pay {$52000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XXXX XXXX2022 I sent a letter to Experian disputing incorrect information concerning Bankruptcies that was being reported on my credit report. The information that was being reported was incorrect and I included in the letter for Experian to send me verification of the source they used to verify the information they used to determine the information that was being reported. On XX/XX//2022 I got a response back through email that the information that was reported was correct according to the source they used. The company did not do what was asked of them and provide the proper source they used to determine that the information was correct.

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 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I received a debt collection notification from Pioneer Credit Recovery in the mail, asking for an amount of {$17000.00}. The address was mine, but the addressee was a company called XXXX XXXX XXXX XXXX, which I have never heard of until today. I have not made contact with them, as I have no trust that Pioneer is a legitimate debt collector, instead choosing to immediately file this complaint so the matter can be investigated properly.

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 2022-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received a debit card and a letter from Bank of America stating that I went over the limit on certain withdrawals and transfers from a savings account. I do not have a savings account with Bank of America. 

I called the customer service number on the debit card which I now believe to be fraudulent. I was transferred to the fraud department. I gave my social security address and home address. Numbers I called were : XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I was a victim of criminals who posed as a celebrity and catfished me, placed me under duress and stress and got me to send them money via wire transfer which I did at my bank BMO Harris. The first criminal managed to get me to transfer {$1000.00} on XX/XX/2022. The second criminal got me to transfer a total of {$14000.00} which was broken down into {$500.00} on XX/XX/2022, {$3500.00} on XX/XX/2022, {$2000.00} on XX/XX/2022, and {$8200.00} on XX/XX/2022. This second criminal even went so far as so threaten me with criminal charges as he spun a story that he was arrested in the XXXX XXXX trying to get on a plane with a case of money which he sent me a video of the case of money and a picture of his plane ticket trying to come meet me because he had promised to pay me all of my money back and told me he punched a police officer and was taken to a XXXX. He proceeded to give me an email for the fbi who I emailed and the fbi sent me a clearance form to fill out which looked official so I filled it out then they asked me for {$50000.00} to get this celebrity out otherwise everyone would find out and his career would be ruined which of course was the last straw for me. Subsequently this celebrity told me that charges would be brought against me also. I did call and speak to one of the bankers that I had dealt with and she told me there was nothing BMO Harris could do to help me which I was extremely upset by and disappointed in because I have been a customer my entire life and really felt very uncared for and disrespected as a customer, not protected whatsoever which is why I found this route to get my money back since I was a blatant victim and have documentation of the wire transfers outside of the wire transfer receipt for {$500.00}, communication between myself and these criminals, email addresses, pictures, even a video to back it all up!! I appreciate your assistance with this matter as it has left me emotionally and financially devastated!! Not to mention scared since these criminals both have all of my personal information and I do live alone!!

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