vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-08 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. PURSUANT 15 USC 1692A, 15 USC 1666B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: TX

Complaint narrative:
I have disputed information they are reporting to my credit file and they have not honored my request and have responded to me! This information is affecting my credit scores in a negative way and they are violating FCRA regulations!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
BB & T ( now Truist ) did not follow proper procedure or stated policy to protect my account. On XX/XX/XXXX, BB & T removed me, the only signature for the restaurant account, XXXX  XXXX , XXXX, and replaced it with XXXX XXXX, representing himself as the new owner. I was the only person allowed to sign on this account. Upon discovering I could not log into my XXXX  XXXX I went to the bank. I asked XXXX XXXX, manager, what happened. She said did they not call you, you better get a lawyer. I was not present, and I had not given written permission or spoken to anyone giving approval for this action. 
XXXX  XXXX, located at XXXX XXXX XXXX, XXXX, GA XXXX, operated from, XXXX, XXXX to XX/XX/XXXX, and was independently owned and managed by XXXX XXXX. 
Notes : Regarding BB & T and XXXX XXXX email to XXXX XXXX on XX/XX/XXXX. 
I did not ever call BB & T and tell them to remove my name from the XXXX  XXXX account and replace it with XXXX XXXX. I did call BB & T and asked them to unlink my personal account from the XXXX  XXXX business account. XXXX XXXX did go with me on a few occasions to BB & T when I was cashing a check to cover the weekly tip out for the staff. I did not ever request to meet with a manager to make changes to the XXXX  XXXX business account. I find the words Mr. XXXX used at the end of the second paragraph perplexing. Taken together, these facts gave BB & T a reasonable belief that XXXX Lively was authorized to act for XXXX  XXXX, XXXX Ms. XXXX knows what happened. We have not been given the name of the person who ultimately signed and is responsible for BB & T action. We must remember that Mr. XXXX is a conman. He filed a defamation suit against me, accusing me of saying just that, his complaint was struck by the court. 
Over a period of 6 months Mr. XXXX did everything possible to gain my trust. It is obvious he was successful. By mid-XXXX  I began to have misgivings about the sale. A change in his behavior and care for the restaurant were a problem for me. When he continued to stall on the lease for the space and ultimately took unexecuted documents to BB & T and changed the account signature, also removing my password to the Point of Sale and payroll account I withdrew my offer to sell.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank sent me a letter stating : We've reviewed your Costco Anywhere Visa account since it's expiring soon. We're unable to send you a new card due to a bankruptcy or a charge-off on another credit card account issued by Citi I checked my CR with XXXX. There is no other account from Citi Bank and there is no Bankruptcy. 

Citibank refuses to disclose the exact reason and have denied my request to review, again without stating the reason as to why they can not renew my Costco Anywhere Visa.

In addition, with their decision they will take away my Costco reward of {$230.00}. 

How can CitiBank refuse renewal without disclosing to me as to what the reason is?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XX/XX/XXXX received letter from State of California, Chief Deputy Attorney General, XXXX XXXX, who received complaint regarding PHH Mortgage practices disputing Loan Balance and Partial Claims. 
XX/XX/XXXX received letter requesting additional time to complete review of Loan Balance and Partial Claims Dispute. 
XX/XX/XXXX received letter stating an error was made with XX/XX/XXXX loan modification. The principal amount was {$21000.00} more and was obligated to sign a a Subordinate Deed of Trust for {$21000.00} therefore being double charged! Also advised all payments from XXXX need to be applied! And advised {$61000.00} ( {$40000.00} + {$21000.00} ) will still be owed to HUD!!! 
XX/XX/XXXX PHH reported correct Loan Balance amount of {$140000.00} to all credit agencies : XXXX XXXX  and XXXX. 
XX/XX/XXXX received payoff quote valid through XX/XX/XXXX in the amount {$180000.00}. 
XX/XX/XXXX received letter states all payments received since XXXX loan modification have been reapplied and the unpaid principal balance for this account is {$170000.00} as of XX/XX/XXXX. {$300.00} of outstanding late fees on the account, but they have been waived due to the re application delay. 
XX/XX/XXXX received payoff quote valid through XX/XX/XXXX in the amount {$180000.00}. 
XX/XX/XXXX Received a letter stating unpaid principal balance is {$170000.00} and HUD Lien for {$40000.00} and {$21000.00} still remain due!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My SSN was stolen and used to buy a phone from XXXX XXXX XXXX. 

Now XXXX XXXX XXXX has sent a collection agency after me, which has adversely affected my credit score. 

This happened AFTER I put a fraud alert on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: MD

Complaint narrative:
I have reached out to this organization several months ago regarding this debt, however they have not responded and this account is being reported on my credit report. I wish to resolve this debt as quickly as possible. I sent a certified letter on XX/XX/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 explanation
Consumer complaint received 2021-08-08 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: GA

Complaint narrative:
Equifax alone of the credit reporting bureaus has consistently committed errors demonstrating gross incompetence bordering on criminal negligence. My Equifax credit score dropped 20 points overnight because their system reverted back to credit card balances of 3 months ago rather than updating to the current much lowed balances on said three credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I XXXX XXXX on XX/XX/XXXX I checked my consumer credit report and found Portfolio Recovery Associates has been reporting on my consumer credit reports. Pursuant to FDCPA 15 usc 1692d ( 1 ) it is a violation to use means to harm a consumers reputation. Also pursuant to 15 usc 1692e ( 2 ) ( A ) it is also a violation to falsely represent any amount of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2021, someone logged into my bank account and scheduled two bill payments to 1. XXXX Credit Card Bill Payment ( not mine and not sure whose ) - {$4900.00} ; 2. XXXX XXXX XXXX Payment ( not mine and not sure whose ) - {$4900.00} ; 3. There were not enough funds in the primary checking account, so Fraudster transferred {$5000.00} from Savings Account and another {$2000.00} from another checking account to the primary checking account.

These ( Bill Payments ) were paid out on XX/XX/2021. 
When I saw these Transactions on XX/XX/2021, I immediately called the Bank and disputed and filed the claims, and kept accounts on Hold. 

Bank never communicated back until I called back on XX/XX/2021. On this call, they mentioned that the Claims were denied as transactions were made from the same device that other transactions were made. And the Representative mentioned that he will send the detailed report in the regular mail, which I never received till now, but they have sent a simple report on XX/XX/2021 via email upon my continues requests, in which it states that Transfer completed by the same device and not being disputed as fraud. with some transaction details with IP Addresses and some other random generated IDs. Customer Reps from the Fraud department were not able to explain that report clearly nor report statement is correct. But I have looked through all those transactions, IP Addresses, and random generated IDs upon looking at those details, there is clear evidence that all Fraud Transactions were made on XX/XX/2021 and XX/XX/2021 as I explained at the beginning of this complaint, and those IDs and IP addresses are different from the regular transactions. 
Having said that, based on the transactions and login details shown in the letter all the fraud logins and transactions were done on XX/XX/2021 and XX/XX/2021 which are not done by me or from my device or my network. 
Please help me to get these funds back to my account from Bank. 
Please let me know if you need any additional information.

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 2021-08-08 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: The CBE Group, Inc.
State: TX

Complaint narrative:
Account was was never mine! Never used this service debt should be removed from credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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:
i have been trying to dispute inquiries on my XXXX, Transunion and XXXX  but every time they don't remove the inquiries and they are still on my report. I did not authorize these inquires and they are fraud which i explained to them but they wont remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: TX

Complaint narrative:
i have been trying to dispute inquiries on my XXXX, XXXX  and Experian but every time they don't remove the inquiries and they are still on my report. I did not authorize these inquires and they are fraud which i explained to them but they wont remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: MI

Complaint narrative:
I XXXX XXXX a consumer in fact a natural person was reviewing my consumer report on XX/XX/2021. I noticed that XXXX  and other consumer reporting agencies are participating in fraudulent credit reporting activities by reporting inaccurate and unverified information to my consumer report without my XXXX XXXX written consent which is a violation of 15 usc 1681b. Also XXXX  and other consumer reporting agencies have breached my individual privacy which is a violation of 15 usc 1681a ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, I paid for An XXXX XXXX airline round trip for {$190.00} including trip flex for flexibility to cancel and/or transfer partial credit if I did not travel on XX/XX/XXXX. I could not travel. I called XXXX to notify but their lines continue to be busy by telephone ( multiple numbers ), chat ( not working ) and now by email. I was never able to notify them of not traveling as it is impossible to notify anyone at XXXX. I spoke to American Express XXXX Dispute services with customer service. They told me to work with the merchant. I told them I would but I am unable to even contact them. They tell me that they would not be able to do anything at this time. I told them that this was deceptive that no one can contact the airline. 

They told me that it is not fraud. I am unsure if they have made a legal conclusion. In any case, what is the point of having Trip Flex and pay for change airline protection when you can not even notify the airline of the intention to change the flight. 

I questioned American Express on why they keep the service with the airline and they would take it up with management. I wonder why I have no rights as a consumer with my credit card. 

I will eat the cost but it sound like a fraud. They sell the ticket. They then sell the tripf lex but you can not contact them for the trip flex product protection. Why even both with any trip flex. The cost of the ticket is {$130.00} but the trip flex is {$60.00} and the product for protection is not with any protection. The American Express customer services is the problem and I told them that as a consumer with the credit card division for 34 years since XXXX that I can not do anything as I spend several tens of XXXX a month on the credit card and it is not " fair ''. 

This may be a very small issue and it is to anyone who is poor or gets scammed but XXXX can not sell travel protection when the product and not able to be claimed and or utilized and American Express as a business should protect consumers from at least unfair business practice. 

I ask them if there was any consumer protection but apparently I was told that there is none and they are just intermediaries now. Perhaps it was different decades ago??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: ERC
State: TX

Complaint narrative:
Account was was never mine! Never used this service debt should be removed from credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XX/XX/2021 I discovered inaccuracies on my report and decided to send a dispute letter to address the issues. There is different open dates reported and multiple other inaccuracies. upon further research well Fargo has numerous complaints for inaccurate credit reporting on XXXX  and over XXXX credit reported related complaints on CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: SC

Complaint narrative:
I was in process to refi my house and discovered a collection account from MRS BPO in the amount of {$210.00}. This was a debt i informed them had been paid direct to XXXX in XXXX of XXXX, for an account closed from XX/XX/XXXX. At advice of my loan officer was to pay and request a deletion for better rates. I called XXXX XX/XX/XXXX requested that if I pay would they remove from my credit report. She informed me that once XXXX  notified them balance is paid it would be deleted. Now they are saying they never stated that, and that they cant delete collection items reported to Credit Agency, but yet they can put it on my report. Please be careful and know rights as I should have used a pay for deletion agreement. Unprofessional practices

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX {$590.00} ; XXXX XXXX XXXX {$240.00} ; XXXX XXXX {$880.00} Accounts are not mine and were illegally put on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: CORELOGIC INC
State: LA

Complaint narrative:
Credco XXXX XXXX, XX/XX/2019 No information available Hard Inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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:
Please refer back to complaint number XXXX-XXXX  where you say my identity did not match your records which I know to be untrue. Attached is an updated utility bill, ssc and copy of my Driver 's License. Please see documents attached under complaint id XXXX-XXXX. Please open this investigation and remove all the accounts listed under disputes due to passing the timeframe of the investigation and this stall tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: TX

Complaint narrative:
XXXX {$590.00} ; XXXX XXXX XXXX {$240.00} ; XXXX  XXXX {$880.00} Accounts are not mine and were illegally put on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX {$590.00} ; XXXX XXXX XXXX {$240.00} ; XXXX XXXX {$880.00} Accounts are not mine and were illegally put on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: Exeter Finance, LLC.
State: LA

Complaint narrative:
XXXX XXXX XXXX, XX/XX/2019 No information available Hard Inquiry

Company response to consumer: Closed with explanation