vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Credit Karma, LLC
State: AL

Complaint narrative:
On XX/XX/2023 I received a guarantee offer from credit karma stating that I had outstanding odds that Ill be approved for receiving a credit card. It stated that if I was denied I would receive {$50.00} within 60 days. I applied for the card believing in the outstanding odds or exceptional odds only to be denied and my credit score was affected. I received and email the same day about the denial and that I qualified for {$50.00} just follow the steps to accept it. I did what the email stated and was told Ill receive {$50.00} pre paid or gift card within 60 days and havent yet. I contacted credit karma several times after the 60 day mark and each time they stated let the investigate the matter. I sent email confirmations of the offer received from them, the date, and the company to which I was denied. All Ive gotten is the run around or no response after they so call stated they was sending it to upper management. I was even told Ill have to contact the company XXXX about the {$50.00} because it would come from them. I contacted the company and they stated they had no information about me nor no information about a gift or pre paid I was said to receive. Credit karma is doing fraud practices by luring consumers inti applying for a card and stated the will be approved and if not they will be guaranteed to receive and {$50.00} offer. Then they act as if they do not know anything about it after your credit is ruined by their false advertising and putting consumers in an even worser situation with their credit for their own personal gain with the credit card companies. Their should be a class action lawsuit about credit karmas misleading practices and I want to be apart of it. Because if they will be dishonest about a situation of such degree involving your credit they shouldnt have a company with the access of millions of individuals personal information because now they arent to be trusted. They are running a scam to get people to apply for credit. My name is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CA

Complaint narrative:
Unable to transfer funds through ACH, transfer from my account to a different account of mine. 
Originally contacted XXXX XXXX about the issue on XX/XX/XXXX. Received a ticket # and told " engineering team will look into it ''. 

Received a response on XX/XX/XXXX stating " its a known error and hoping for a resolution in the next few months and was advised to write checks .... '' I believe this is an inadequate timeline, " hoping '' " for next few months '', The ability to ACH transfer to an external account is a feature that every bank in XXXX has. The fact that this doesn't work and isn't properly being addressed is kind of ridiculous. 

Attaching proof of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC
State: TX

Complaint narrative:
This apartment complex is claiming not only that I lived there, but that I broke a lease with them and owe them money. They have illegally obtained a third-party collection agency to destroy my credit and collect on a debt that I do not owe. This collection agency has furnished no proof that this is a valid debt, nor that this debt is mine. I am demanding that this apartment complex retract all erroneous attempts to collect on the false alleged debt immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719,1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This company has committed fraud and required payments as well as fraudulently attempted to accept them when federal law states and is PROOF that ALL debt is due to the United States which wouldnt require me by law to owe ANY DEBT to CAPITAL ONE, according to 18 USC 8 which states The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. which is furthermore PROOF and FACTS that my complaint against this company CANT BE REBUTTED and is also PROOF this company is or has been committing a crime since the first payment was made or is currently being demanded to pay a debt claimed to be owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: NY

Complaint narrative:
I am writing to submit a formal complaint and dispute regarding the inaccurate information reported on my credit report by Experian. I contacted Experian on XX/XX/XXXX to address the following issue, but to date, I have not received any response. I kindly request your intervention and assistance in resolving this credit reporting error. The details of the inaccuracy and the required correction are as follows : Account : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account listed as XXXX  XXXX XXXX does not belong to me. I request that Experian remove this account from my credit report as it is not associated with my financial history or activities.

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 my phone was stolen and my bank account was ultimately withdrawn from to a negative balance. I contacted Wells Fargo on the same day using my roommates cell phone and notified Wells Fargo that all of the transactions were fraudulent due to my phone being stolen. The fraudulent charges included : XXXX XXXX transfers totaling {$2000.00} XXXX XXXX transfer totaling {$3500.00} XXXX wire transfers totaling {$24000.00} I received a notice from Wells Fargo dated XXXX in reference to the above mentioned XXXX transfer. This notice stated that the transfer was deemed an authorized transaction. I called Wells Fargo on XXXX to follow up on this notice and inquire about the remaining fraudulent activity. I was then told that there was only a claim for the aforementioned zelle transfer. This was a big mistake on behalf of Wells Fargo. I then put in another claim for the remaining fraudulent activity. On XXXX I received a notice from WF that the wire transfers were deemed as authorized transactions and that Wells Fargo, as a courtesy, had attempted to do a wire recall but that the funds were not available at the receiving bank. The issue here is that I put in claim on XX/XX/XXXX but WF did not make an attempt at recalling the transfer until after XX/XX/XXXX, due to their mistake. I also received notice from WF that the XXXX XXXX transactions were deemed as not authorized, so that money was returned to my account. The issue with this is that it was actually the first of all of the fraudulent charges after my phone was stolen, so this would set a chronological precedence of unauthorized transactions.

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 2023-05-27 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: U.S. BANCORP
State: GA

Complaint narrative:
Hello, someone is using my personal information to open credit accounts online. I viewed my credit report and it shows a list of " Hard Inquiries '' that I have no knowledge of. Iam a victim of identity theft, please help me. 

XXXX. XXXX. DATE : XXXX XXXX. XXXX XXXX XXXXDATE : XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX 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 2023-05-27 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this 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 non-monetary relief
Consumer complaint received 2023-05-27 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: UPGRADE, INC.
State: NV

Complaint narrative:
I SENT IN AN IDENTITY THEFT REPORT AND THEY SENT ME BACK A RESPONSE AS VERIFIED AN UPDATED THE ACCOUNT I NEVER RECIEVED ANY GOODS NOR APPLIED FOR ANYTHING WITH THIS COMPANY.SOME OF THE ACCOUNTS LIKE XXXX  XXXX XXXX, XXXX XXXX, AND XXXX  HAS BEEN REPORTING CLOSED FOR OVER 7 YEARS AND STILL THERE, AND THOSE ACCOUNTS WERE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-05-27 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2023 - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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:
Experian, XXXX, XXXX, are all three-reporting different information on my credit report when it comes to my XXXX  XXXX credit card # XXXX. Experian showing the company took a full right when they did not because I paid half in the settlement, so they did not take a full right off. 
XXXX - Is showing Payment after charging off. 
XXXX Is showing just charge off

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 2023-05-27 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: Grain Technology, Inc.
State: PA

Complaint narrative:
I contacted Grain to fix an issue with the account I have with them so that my remaining balance can be paid off and no one has fix the problem I still cant access the account and they are still reporting negatively on my credit report. So its bringing down my report when it can be paid off and the issue can be fixed I contacted them XX/XX/XXXX of this year to try and resolve the issue they still didnt fix it I just reached back out this month as well and Im not getting no help with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: NV

Complaint narrative:
I SENT IN AN IDENTITY THEFT REPORT AND THEY SENT ME BACK A RESPONSE AS VERIFIED AN UPDATED THE ACCOUNT I NEVER RECIEVED ANY GOODS NOR APPLIED FOR ANYTHING WITH THIS COMPANY.SOME OF THE ACCOUNTS LIKE XXXX  XXXX XXXX, XXXX XXXX, AND XXXX  HAS BEEN REPORTING CLOSED FOR OVER 7 YEARS AND STILL THERE, AND THOSE ACCOUNTS WERE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: DISCOVER BANK
State: NV

Complaint narrative:
I SENT IN AN IDENTITY THEFT REPORT AND THEY SENT ME BACK A RESPONSE AS VERIFIED AN UPDATED THE ACCOUNT I NEVER RECIEVED ANY GOODS NOR APPLIED FOR ANYTHING WITH THIS COMPANY.SOME OF THE ACCOUNTS LIKE FIRST XXXX XXXX, XXXX XXXX, AND XXXX  HAS BEEN REPORTING CLOSED FOR OVER 7 YEARS AND STILL THERE, AND THOSE ACCOUNTS WERE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Certegy Holdings, LLC
State: FL

Complaint narrative:
I currently have a XXXX credit card which I use to purchase items. I have tried on multiple occasions to add my XXXX Bank account information to my wallet and every time I get an error message that states the routing number can not be accepted. Furthermore, I tried to send a check payment for the outstanding balance from my XXXX Bank account, and it was rejected as well. 

I submitted multiple customer service requests to XXXX to understand why they do not accept my payments. In communicating with XXXX, they let me know that they do not control the routing number tables and the verification used for payment processing. They use a company called Certegy to do their payment processing and verification, and that I need to speak to Certegy about resolving the problem.

I reached out to Certegy and submitted a ticket. The ticket was never resolved and a tier 1 agent reached out to assist. The tier 1 agent said someone would get back to me in a day to resolve the issue. It has now been more than 2 months with no call back. I did call back multiple times asking to speak with a supervisor regarding the issue, but I was always told I would get a call back but never have. 

Furthermore, I contacted my bank, XXXX Bank to better understand the problem and after further research they sent me the following communication to send to Certegy. It read as follows : " RE : VALID ROUTING NUMBER NOT RECOGNIZED BY YOUR COMPANY - XXXX Bank 's routing number is XXXX has been active in the Fed Routing Tables since XX/XX/2021. We received notice from our customer that your company does not recognize this information. The routing number can be verified at XXXX XXXX XXXX using the E-Payments Routing Directory. This routing number can be used for any Fed ACH transaction. We encourage you to update your records to allow your clients to use this active and valid routing number. '' Based on my understanding, Certegy needs to update their routing tables with XXXX Bank 's routing number so that XXXX and other large corporations can accept payments from XXXX Bank which is a publicly traded company and billions of dollars in customer funds.

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 2023-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
Halsted Financial has contacted me several times by phone and text stating I owe a debt to XXXX. I have not ordered anything from XXXX since 2018 and the balance was paid in full. I contacted XXXX and they are unaware of any money I owe to them. I also checked my credit report and see no such reporting. The XXXX has over XXXX complaints about this company attempting to collect on fake debts from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: TX

Complaint narrative:
TRANSUNION AND XXXX ARE REPORTING Unknown, unauthorized, and Unrecognized, from XXXX XXXX XXXX opened a COMMERCIAL DEBT BUYER FIRM EVEN DURING MY MULTIPLE DISPUTES BEING AFFECTED BY COVID-19 DURING THE GLOBAL PANDEMIC HARDSHIP. THIS INACCURATE REPORTING HAS DESTROYED MY XREDIT HISTORY AND TANKED MY SCORE CAUSING IRREPARABLE DAMAGE. 
I do not have an account opened by XXXX XXXX XXXX IN XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX  Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX  Debt Buyer XX/XX/XXXX Collection account. {$480.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$480.00} XX/XX/XXXX {$480.00} 0 %

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 2023-05-27 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: GA

Complaint narrative:
XXXX, Transunion, XXXX, are all three-reporting different information on my credit report when it comes to my XXXX  XXXX credit card # XXXX. XXXX showing the company took a full right when they did not because I paid half in the settlement, so they did not take a full right off. 
Transunion - Is showing Payment after charging off. 
XXXX Is showing just charge off

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