vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was approved for a Loan from the SBA because I'm an independent contractor who need it help because of the covid19 pandemic. The SBA approved my application and sent the money to my checking account with Citibank on XX/XX/XXXX. Citibank automatically froze my account and eventually on of matter of day closed my account. I call them to verify what the situation was and after several calls and hours of trying to get the right information, they said that it was because My account was a personal account and the money should had been deposit into a business account with an EIN. I explained them that they were incorrect in this assumption because the SBA loan was aiming for smalls businesses and independent contractor, that smalls businesses does need an EIN but not the Independent contractor and that the SBA did they due diligence and clear me out before approving my funds. The bank sent me a letter saying that the will return my funds back to the SBA that any further information should be directly with them since in around 30 days the money will be return. I call the SBA to update my bank information with a new bank institution XXXX XXXX XXXX XXXXXXXX ) back inn XXXX and I contacted the SBA so they could re transfer my funds to the new account. After 6 months of back and forth with the SBA they told that the bank never return the funds. Citibank said that the funds are in a loop, they always tell me that someone will contact me to resolve this issue but I'd never received I call back and the SBA start charging me for a fund I have never used because of the Citibank unilateral closed my account.

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 2022-05-18 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: CRESCO CAPITAL INC.
State: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: FL

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$8200.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$810.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Back earlier this year, a company withdrew money from my account, realized their mistake and returned the full amount to my account. The bank still charged me an overdraft fee and added interest and now the bank just messed up my credit score and still want full payment. I feel that why do they get to mess up my credit, get paid in full, and then it takes my credit forever to repair. That should not be allowed, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
We put the house for sale. 
We received from Shellpoint the Payoff amount. 
We are disputing this Payoff amount. 
We are disputing the DEFERRED PRINCIPAL of : {>= $1,000,000} We do not have any record of this Deferred Principal. 
Please Validate and Verify this debt in compliance with CFPB Regulation F, 1692 G Should this debt be a part of a past Loan Modification, provide the details and the records of the Terms of that Loan Modification to Validate and Verify this Debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: FL

Complaint narrative:
To whom this may concern these items in my credit file are from unauthorized use of my Social Security number and card I did not authorize these accounts to be taken out in my name nor they relate to anything I did I am unaware of any of this please remove the information asap.. 
XXXX, XXXX & XXXX XXXX open XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XX/XX/XXXX {$450.00} I included all the documents you asked for to verify my identity address

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 2022-05-18 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 this account with Experian, XXXX, and XXXX via USPS certified mail. 

I also sent 2 debt validation requests via USPS certified mail to XXXX XXXX XXXX on XX/XX/2022, and XX/XX/2022. XXXX XXXX XXXX ignored my request for debt validation and failed to respond in over 60 days. I dont even have an original account with whom they say the original creditor is or a similar dollar amount of {$600.00} reporting on any of my credit reports. This is why I wrote to XXXX XXXX XXXX directly to validate the debt in the first place. 

XXXX completed their investigation and deleted the account from my credit report. 

As of XX/XX/2022, both Experian and XXXX verified and or updated the account as accurate however they didnt actually verify it and they are continuing to report it on my credit report. By their continuous reporting of an unknown and or unverified account, they are in violation of the FDCPA. 

This is continuing further collection activity which is also a violation of the FDCPA.

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 2022-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I made a large payment that was received XXXX, it was not processed until XX/XX/XXXX per Customer Relations Mgr. Online there is a Negative balance and incorrect payment due amount that does not reflect the same on the creditors side. Payments have been taken and cleared for the payment that was made, however the Creditor claims that since it was by check that there are 12 days they can hold the account without updating it and reflecting updated balance available credit and min payment due. Per my acct it is inaccurate and the Creditor never disclosed these services of when a check is mailed in and the time frame it takes to clear an account and update the account to reflect accurately. My acct # XXXX with upgrade is reporting ( negative ) XXXX current balance XXXX and credit limit XXXX with payment of XXXX due. This is all wrong my payment posted per activity uploaded that the payment was credited XXXX the current uploads are as of today XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Credit Center, LLC
State: CT

Complaint narrative:
My ex-wife XXXX XXXX XXXX incurred a medical bill with XXXX XXXX for a XXXX XXXX for XXXX XXXX.. The bill was filed by XXXX XXXX XXXX XXXX XXXX correctly to XXXX XXXX at XXXX XXXX XXXX, XXXX NY XXXX. By Court Order, the mother is required to pay the bill and submit the balance to me. The motehr recognizes that the bill should be sent to her and has tried to correct the error. The agency changed the billing to me then back to XXXX then back to me when there was no payment. The mother has not paid any portion of the bill. My credit score decreased for XXXX to XXXX. 
Total amount due is {$2000.00}. I have no agreement with XXXX XXXX. I have sent two certified letters to the Credit Center at XXXX XXXX XXXX, XXXX CT XXXX and registered a dispute with all three credit agencies : XXXX, XXXX and XXXX but have been unable to correct this error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2022, and XX/XX/2022, I collected payments via credit card for a wedding that we provided service for. The customer decided to dispute the charges, and our processor Square notified me. I immediately replied with a copy of the invoice, contract, terms and conditions, photos, and proof the job was completed. It was my understanding that this documentation was submitted to XXXX XXXX. On XX/XX/2022, I received notification via Square that XXXX XXXX ruled on behalf of the consumer, and I was not provided a reason as to why. I called Square and was told to call XXXX XXXX. XXXX XXXX told me that I can file an appeal and that Square must do so. Square did not do so, and they will not cooperate with me. I am out {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, we went to chase bank for a domestic wire transfer of {$30000.00}. The intent of the wire transfer was for closing funds on a property we were purchasing and the intended recipient was title company. However, a scammer had knowledge of this closing somehow ( current theory is that someone's email has been hacked ) and they sent my wife fraudulent wire transfer instructions from an email account that looked just like the lender. When we went to the bank, we sent it to this incorrect account from the Scam. 

Immediately after sending the money, I called the title company and they indicated that they hadn't received funds. That's the point at which I reviewed the emails and realized they were sent from a different account with stolen email signatures and such. Mobile viewers do not display the email address in the original message, they only show the contact name. You have to physically click on the name to see the senders email address which is not something one would do if they are already expecting an email at a specific time from someone. 

We went back to chase within about an hour of the transfer to reverse the wire. Furthermore, the account the money was transferred to was also a chase bank account so it was all within the same bank. The account we sent the money to was immediately restricted due to fraud and the personal bankers there indicated it looks like they have a history of being a fraudulent account. It's important to note that all of the funds from the wire were remaining in the account at this time, so none of the funds from the wire had been lost. After additional reviews, the fraudulent account was closed officially by the bank, and we were told that the funds are now held somewhere internally at chase. 

Chase has acknowledged that account was associated with fraud, they have closed the fraudulent account and retained the funds. But we have not gotten those funds back into our Chase account. Every time we ask when funds will be returned, we get a new date as to when the investigation will be completed. There are no external banks associated in this, all accounts are internal to Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18 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: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX is reporting an erroneous and inaccurate charge-off with a past due balance on my credit report with XXXX and Experian. In violations of FCRA, a charged-off account is already written off. There should be no past due balance of {$4500.00} when the account is charged-off already. I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ) against XXXX XXXX XXXX XXXX XXXX. I previously disputed this erroneous and inaccurate information with XXXX and XXXX XXXX  XXXX XXXX XXXX was removed from my credit report for inaccurately reporting a charged-off account with a past due balance amount owed. A direct violation of FCRA, requiring all inaccurate information to be removed. XXXX XXXX XXXX XXXX XXXX sold the charged-off account to XXXX XXXX XXXX XXXX Who XXXX me on XX/XX/2022 by letter attached as a Collections agency. Pursuant to FDCPA Section 809. Validation of debts ( 15 USC1692g ) requires validation of debt before reporting information on my credit file. I demanded validation of debt from XXXX XXXX XXXX XXXX XXXX When XXXX XXXX, XXXX failed to validate the debt, they informed me that the account was transferred back to XXXX XXXX XXXX XXXX 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 2022-05-18 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:
I disputed this account with XXXX, TransUnion, and XXXX via USPS certified mail. 

I also sent 2 debt validation requests via USPS certified mail to XXXX XXXX XXXX on XX/XX/2022, and XX/XX/2022. XXXX XXXX XXXX ignored my request for debt validation and failed to respond in over 60 days. I dont even have an account with whom they say the original creditor is or a similar dollar amount of {$600.00} on any of my credit reports. This is why I wrote to XXXX XXXX XXXX directly to validate the debt in the first place. 

XXXX completed their investigation and deleted the account from my credit report. 

Both XXXX and TransUnion verified and or updated the account as accurate however they didnt actually verify it and they are continuing to report it on my credit report. By their continuous reporting of an unknown and or unverified account, they are in violation of the FDCPA. 

This is continuing further collection activity which is also a violation of the FDCPA.

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 2022-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
accounts are opened on my credit without my knowledge Hard inquiries are on my account without my knowledge The employment info is a job I have never had Addresses are listed that I have never resided at, in states I've never lived

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: FL

Complaint narrative:
To whom this may concern these items in my credit file are from unauthorized use of my Social Security number and card I did not authorize these accounts to be taken out in my name nor they relate to anything I did I am unaware of any of this please remove the information asap.. 
XXXX, XXXX & XXXX XXXX open XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XX/XX/XXXX {$450.00} I included all the documents you asked for to verify my identity address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: PA

Complaint narrative:
i have submitted disputes to you and didnt get a responce in 30 days and you are required by law to do so. please investigate my disputes thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have submitted letters to all three credit bureaus, Equifax, XXXX and XXXX asking that they update my name, address and place of employment that is reflected on my consumers report. I have submitted letters to all three credit bureaus multiple times. The first set of letters were submitted XX/XX/XXXX, the second set were submitted XX/XX/XXXX and the third set were submitted XX/XX/XXXX. The bureaus are continuing to report false inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: PA

Complaint narrative:
i have submitted disputes to you and didnt get a responce in 30 days and you are required by law to do so. please investigate my disputes thank you

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 2022-05-18 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: PA

Complaint narrative:
i have submitted disputes to you and didnt get a responce in 30 days and you are required by law to do so. please investigate my disputes thank you

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 2022-05-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX report the inquiries as fraud XXXX XXXX asked for an investigation of accounts XX/XX/XXXX aked for a reiview and reinvestigation of inquiries XX/XX/XXXX reported inquiries as unauthorized fraud XXXX XXXXreported inquiries as unauthorized fraud XXXX XXXX XX/XX/XXXX reported inquiries as unauthorized fraud These are all unauthorized hard inquiries XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation