vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: GA

Complaint narrative:
Hello, My wife and I refinanced our home through 'Intercontinental Capital Group ' ( ICG ), and were told that the loan had been posted on XX/XX/31, and our signed Closing disclosure stated that the disbursement date would be XX/XX/31. 

Turns out, the wire was posted and cleared on XX/XX/31 by ICG, but it only was received by our previous lender XXXX XXXX XXXX on XXXX, resulting in a delinquency being reported on our credit scores, dropping our high 700s credit scores XXXX points, at no fault of our own. 

We have never missed a payment on our mortgage and were told repeatedly by ICG that we didn't need to pay for XXXX as they had taken care of it. We could have easily paid if informed of this level of risk, but we were advised not to worry about it. This doesn't seem wholly fair as we had expected it to clear on XX/XX/31, and this happened entirely out of our control and yet we're the ones being penalized. 
The other parties involved with our refinance were XXXX XXXX XXXX ' and XXXX & XXXX XXXX XXXX XXXX 

Attached are the signed closing disclosure, reimbursement ledger, proof of wire, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX  XXXX  XXXX  XXXX XXXX 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 Section 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 2022-03-22 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: CA

Complaint narrative:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the XXXX. I filed disputes with these bureaus XXXX plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up XXXX day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the XXXX. I filed disputes with these bureaus XXXX plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up XXXX day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2022-03-22 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: DISCOVER BANK
State: IL

Complaint narrative:
I attempted resolved the noncompliance issue with Discover Financial. I am aware when a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more.

Discover Financial is currently reporting on my consumer report that {$17000.00} has been discharge/profit loss. IRS requires if a creditor has discharged a debt owed, I am required to include the discharged amount in my income, even if it is less than {$600.00}, on the Other income line of my Form 1040 or 1040-SR. Discover Financial is reporting that this account discharged. Discover Financial did not issue 1099C during that tax year. Discover is not in compliance with this debt and committing consumer violations on its unethical recovery tactics with the credit bureaus and IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: IL

Complaint narrative:
Un-valid Inquirys on my Report that are not recognized by EXPERIAN in XXXX of 2021.

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
MY WALLET WAS STOLEN IN 2018. FRAUDULENT ACCOUNTS WERE OPEN IN MY NAME. THEY HAVE SINCE THEN BEEN CLEARED UP EXCEPT FOR NAVY FEDERAL.

ALL THREE BUREAUS STOPPED REPORTING THE FRAUDULENT INFORMATION, NOW XXXX HAS DECIDED TO REPORT THE FRAUDULENT NAVY FEDERAL REVOLVING ACCOUNT.

THEY ARE REPORTING FRAUDULENT INFORMATION THAT NEEDS TO BE REMOVED IMMEADIATELY, PERMANENTLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Global Lending Services LLC
State: IL

Complaint narrative:
The amount alleged owed {$7500.00}, on XX/XX/2014. I have contact and told this company this account is not mine and never has been. I asked them to send me proof that the account is mine with signature and they did not send me a response back very XXXX. I sent XXXX letters to them asking for removal of unauthorized account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: CURO Intermediate Holdings
State: IL

Complaint narrative:
The amount alleged owed {$7500.00}, on XX/XX/2014. I have contact and told this company this account is not mine and never has been. I asked them to send me proof that the account is mine with signature and they did not send me a response back very rude. I sent 5 letters to them asking for removal of unauthorized account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: IL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I have been attempting to dispute an alleged debt via the XXXX online dispute tool being furnished to my XXXX credit report and file by Remex inc, since XX/XX/2021. XXXX has reported Remex INC, partial account # XXXX opened on XXXX XXXX2021Remex inc has failed to produce the original instrument of indebtedness that proves that I am obligated to pay them anything. I never signed a trilateral contract including Remex INC., myself, and XXXX XXXXXXXX XXXX authorizing Remex INC to conduct business on my behalf or on behalf or for XXXX XXXXXXXX XXXX. If Remex INC can not immediately provide to me or produce the original instrument of indebtedness then they shall immediately stop reporting this fraudulent account to any of the credit reporting agencies and must stop attempting to collect this alleged debt! Remex INC is not authorized to obstruct contract law. This is a violation of the truth in lending act as well as the fair debt collection practices act and Remex INC must prove that they are not committing fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Fidelity Services, LLC
State: IL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Great American Finance Co
State: IL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
My wife and I have 2 savings accounts that were with XXXX. XXXX transferred our accounts over to Citizens Bank. 

We recently tried transferring {$25000.00} out of our savings account at Citizens Bank to our checking account at XXXX Bank and we were informed by Citizens Bank that we couldn't withdraw funds even though we had a nearly {$60000.00} balance. All of the funds are seasoned... They are payroll deposits that have built up over time- so there were no recent large deposits with holds, etc. 

When we tried transferring the funds using their online banking feature, we were informed that the cap was {$10000.00} per month. When we called in ( after being transferred over and over again and waiting over a half hour on hold ) we were told that the maximum we could transfer was {$15000.00}. I asked for a supervisor and they told me it would be another 20 minutes on hold. 

I then asked them to close my accounts and they told me that I needed to have a {$0.00} balance in order to close our accounts. I can't have a {$0.00} balance if I can't withdraw or transfer my funds. 

All my wife and I want is our money out of this horrible Bank ( that we didn't even choose to do business with in the first place ) and to close our accounts there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Inc.
State: WY

Complaint narrative:
The debt was sent to collections in XXXX of 2018. I never was notified by any financial institution or medical office or anybody of them sending that debt to collections. I was then harassed by CBS Debt of XXXX Ne repeatedly. I have multiple times now disputed this debt with no avail. I have requested documentation that proves the debt is mine but neither XXXX or CBS Debt has furnished any proof. I have researched the collection company and it seems that them collecting false debts is a regular thing. I attempted to contact them thru their website but I cant even access their site as it is flagged for being unsafe and filled with phishing malware. I have also researched the original account thats listed as XXXX XXXX XXXX and I can not find any information on them either. The only things that come up are in Tennessee and Texas and I havent ever lived in either of those states.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX there were 12 charges to my Debit card from XXXX. Charges range from {$.00} - {$69.00} 6 of the charges dropped off and never actually came through as charges. 

On XX/XX/XXXX I tried to used my debit card and the restaurant received a notice that the card could not be used, I immediately call SunTrust to notify them of the FRAUD issue on my account. 
I was not in New York on XX/XX/XXXX and XXXX and did not use XXXX. 
The last time I used XXXX was on XX/XX/XXXX for the amount of {$42.00}. 

I never got an answer why 6 charges were dropped off and didn't actually come through as charges but 6 charges are still on my account.

The total amount for the 6 charges is {$240.00} XX/XX/XXXX {$6.00} XX/XX/XXXX {$44.00} XX/XX/XXXX {$62.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$69.00} XX/XX/XXXX {$44.00} Suntrust ( NOW TRUIST ) has given me no reason why they are denying this as FRAUD. When it clearly is FRAUD.

I was not in New York on XX/XX/XXXX and XX/XX/XXXX. I was in XXXX, VA and if you access my phone location you can see that I was in XXXX, VA. 

And I was also at a restaurant in XXXX, VA on XX/XX/XXXX trying to use my card when I found out my card had been shut down by the bank.

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 2022-03-22 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: LEXISNEXIS
State: AZ

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record

Company response to consumer: Closed with explanation