vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received an email from Citibank to open a Citi checking account and earn a bonus of up to $ XXXX with required activities because I am a Citi XXXX XXXX XXXX XXXX since XXXX. On XX/XX/XXXX, I clicked on the link it took me to citi.com to open the account, that same day I received an email from Citibank with the link to the Welcome Kit as the account was opened, provided an option to transfer funds into the Citi account by logging into my other online account with another bank. I transferred {$15000.00} into the account. I then linked the newly opened account with my existing Citicard online access for my credit cards. Everything seems to be ok. Around XX/XX/XXXX, I could no longer access to my online accounts and still unable to get into both the credit card or checking access. XX/XX/XXXX, I spent 35 minutes on the phone with Citibank asking where my money is, they told me to wait for the letter in mail without any explanations why. XX/XX/XXXX, I spent 56 minutes on the phone with Citi Fraud Department asking for documents, which I had provided. They told me the account is closed and they will decide when to send me back my money after the account is closed. XX/XX/XXXX, I spent XXXX minutes on the phone, first they told me if I want my money back sooner I can go to a branch, but it is up to the branch if they want to give me back my money. XX/XX/XXXX, spent another XXXX minutes on the phone and someone " promised '' to call me back to get me more details. It didn't happened. XX/XX/XXXX, the letter from Citibank arrived and it said " Your Citi accounts will automatically close within 60 days '' because they found that I have violated the terms of " your account per the client manual ''. I called Citibank again and they would not talk to me because they are now asking me for the debit card number in order to go through their verification that they had other means to do so from multiple calls before, the letter specifically said the card is longer active then why asking for the number, I had no use to keep a closed debit card. They are holding my {$15000.00} hostage without any clarification even though I have provided documents that were asked, I've been a credit customer for years and now Citibank is committing fraud against consumers by taking their money and holding it for XXXX or more days without cause, meanwhile using my money to loan it out to others and making a profit of my money. This is financial fraud against consumer without any explanations or rights.

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 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
They never got a hold of me I tried disputing because I am not aware of this account. They continue sending my disputes back.

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 2022-04-19 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: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
Penny Mac reported to the credit bureau that my mortgage had many months of missed payments along with my loan not being payed off. This has become an issue in my new loan for another home. As this loan is payed off and penny Mac said I made all payments. Called pennymac multiple times to get a letter and they can not fix it. They said they would call credit Bureau however did not update me with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # ( XXXX  ) XXXX  Account # : XXXX Closed ; ( 2 ) XXXX  XXXX XXXX Account XXXX : XXXX Closed ; ( XXXX ) XXXX  XXXX Account # : Date Reported : Condition : Credit Limit : XXXX Closed ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not Furnish 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 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/2022 XXXX transactions were made with my stolen cash app card from a merchant called XXXX  the total of the transactions are as follows XXXX. {$100.00} XXXX XXXX XXXX XXXX XXXX I contacted the merchant on XX/XX/2022 and was instructed to file a dispute claim in accordance with regulation E to summarize it once the company acknowledged my dispute they must do a thourough investigation in accordance to regulation E procedure and after 10 days if no resolution I must in fact be given provisional credit while the case is being resolved after one day they sent me a email saying they found no error on those transactions and if u wanted to request the information used to come up with thier answer, was a picture of one of the transactions I disputed which makes no sense on thier behalf not only did they not follow the procedure with regulation E procedures the information they sent me that was used to deny my claim doesn't even explain or can't even be used to deny the claim l, so I need your guys help to make sure my claim is being fairly investigated in accordance with regulation E procedures please and thank you I've never used or heard of this merchant before by the name of XXXX and according to cash app based on my transaction history thier is no error, but if you go thru my transaction history thier is no purchases or history prior to the XX/XX/XXXX transactions that are being disputed so that's also false information thier saying I attached a screenshot of all the ATM withdrawals on my account history the XXXX transaction circled in blue have a different ATM fee than all the other transactions that are shown meaning the XXXX transactions I'm disputing each have a ATM fee of XXXX and all under the company of XXXX  so no other transaction on my history are from XXXX  besides those XXXX done on XX/XX/XXXX so there allegation of prior device and account history of me using that merchant before is false thier fore their resolution with that allegation has no credibility on the business cash app dispute team

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Enhanced Recovery XXXX XXXX XXXX is trying to collect a debt- that is not mine. The birthday is not even mine on the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Nelnet, Inc.
State: OH

Complaint narrative:
Unable to track down loan servicing provider for student loan. Have contacted multiple companies with no resolution or record of my loan. Have spoken to XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX. Contacted using phone numbers listed below : XXXX XXXX XXXX XXXX XXXX XXXX I can not repay my loan if no one has record of it. If no one has record I want it removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: RI

Complaint narrative:
On ( XX/XX/2022 ), I wrote to you requesting an investigation into items that I believe were INACCURATE AND UNVERIFIED. To date, I have not received a reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

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

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 2022-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
This was our third time doing a 90 day same as cash we paid off the other loan and then took out another This time they said we didn't ask to have it set as a 90 day same as cash and therefore was charged a 12 month lease which ended up costing us three times the amount we agreed to The company was reporting the amount owned from day one as a higher amount then we where even qualified for on the same as 90 day same as cash loan. 

The company was unwilling to honor the 90 day same as cash and we ended up paying {$7500.00} when all we agreeded to was {$3000.00} lease number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX accordance with the Fair Credit Reporting Act XXXX Accounts has violated my rights. 

15 U.S.C 1681 section 602 A I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending harassing messages weekly, making false statements about speaking to my loved ones, and threatening to prosecute me about a debt. I will attach the most recent message below.

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 2022-04-19 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: MS

Complaint narrative:
XXXX accordance with the Fair Credit Reporting Act XXXX Accounts has violated my rights. 

15 U.S.C 1681 section 602 A I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending harassing messages weekly, making false statements about speaking to my loved ones, and threatening to prosecute me about a debt. I will attach the most recent message below.

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 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit System is claiming I owe them {$180.00} for application fee. My identify was stolen and this is a result of that. This was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting on my consumer file without my written permission. Violation of 15 usc 1681 section 602a and 15 usc 1681 section 604a section 2. Please remove this account. Each violation of this has a {$1000.00} fine

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 2022-04-19 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: PA

Complaint narrative:
XXXX XXXX XXXX  is reporting on my consumer file without my written permission. Violation of 15 usc 1681 section 602a and 15 usc 1681 section 604a section 2. Please remove this account. Each violation of this has a {$1000.00} fine

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is XXXX. XXXX is not reported to a consumer report. After the settlement Balance was paid there is a discharged balance of XXXX that is required by law to be reported to the IRS as income by the consumer. Regardless to if the company issues a 1099c to the consumer or not the discharged balance must be reported to the IRS as income. The account status is no longer debt but income. Reporting this account as anything other than income after the the company has charged off the account is inaccurate and income does not get reported to a consumer report. XXXX  XXXX was relieved of the tax burden with this account and the tax burden then placed on the consumer. There's also case law to back up what I've just stated. Franklin Credit Mgmt v. Nicholas, Amtrust Bank v. Fossett. At this point the company is willfully non compliant given I have put them on notice prior to this complaint. Under 15 usc 1681n XXXX XXXX can be held for civil liability for willful non compliance. I will also be filing a a tax complaint against the company as I've requested a 1099c with XXXX XXXX and that request has yet to be fulfilled. Even though the discharged balance is not over XXXX dollars in which a company is required by the IRS to file form 1099c it does not mean the consumer is excluded from filing the discharged balance as income on their tax return. So regardless to the amount it is still income. I want the account deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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:
This account is XXXX. XXXX is not reported to a consumer report. After the settlement Balance was paid there is a discharged balance of XXXX that is required by law to be reported to the IRS as income by the consumer. Regardless to if the company issues a 1099c to the consumer or not the discharged balance must be reported to the IRS as income. The account status is no longer debt but income. Reporting this account as anything other than income after the the company has charged off the account is inaccurate and income does not get reported to a consumer report. XXXX  XXXX was relieved of the tax burden with this account and the tax burden then placed on the consumer. There's also case law to back up what I've just stated. Franklin Credit Mgmt v. Nicholas, Amtrust Bank v. Fossett. At this point the company is willfully non compliant given I have put them on notice prior to this complaint. Under 15 usc 1681n XXXX XXXX can be held for civil liability for willful non compliance. I will also be filing a a tax complaint against the company as I've requested a 1099c with XXXX XXXX and that request has yet to be fulfilled. Even though the discharged balance is not over XXXX dollars in which a company is required by the IRS to file form 1099c it does not mean the consumer is excluded from filing the discharged balance as income on their tax return. So regardless to the amount it is still income. I want the account deleted from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Unable to track down loan servicing provider for student loan. Have contacted multiple companies with no resolution or record of my loan. Have spoken to XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX. Contacted using phone numbers listed below : XXXX XXXX XXXX XXXX XXXX XXXX I can not repay my loan if no one has record of it. If no one has record I want it removed from my credit.

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 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
Company is trying to collect a debt from over 7 year ago that is not correct. debt is wrong and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: RI

Complaint narrative:
On ( XX/XX/2022 ), I wrote to you requesting an investigation into items that I believe were INACCURATE AND UNVERIFIED. To date, I have not received a reply.

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 2022-04-19 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: RI

Complaint narrative:
On ( XX/XX/2022 ), I wrote to you requesting an investigation into items that I believe were INACCURATE AND UNVERIFIED. To date, I have not received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the fair reporting act. This list of accounts has violated my federally protected consumer rightsto privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602a states i have a right to privacy.

15 U.S.C 1681 section 604a section A also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that information is inaccurate. 

XXXX. XXXXXXXX XXXX sent a letter of validation with no response account XXXX. 
XXXXXXXX XXXX XXXXXXXX account XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXXXXXX,

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 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I submitted for a loan on XX/XX/XXXX and it is still not closed. I was told by their loan officer XXXX XXXX that they could use my previous appraisal. Then at the very end, I was told they could not use, misled. Another appraisal was done and rec 'd on XX/XX/XXXX. I was told that was the only thing needed.. still not closed During this process the loan processor XXXX XXXX did 0 on my file. I had to escalate to the loan processor manager who then reassigned my case to another processor. XXXX XXXX has been excellent during the process. The issue is now loan depot is stating there are two student loans on my account, two of which has been consolidated are not showing 0 on my credit report. It has been one thing after the other and now going on 3 months and still not resolved. The lender fees keep increasing everytime, they get a loan extension because they are not doing their job .... I feel the practices are deceptive and misleading. Now interest rates are higher so I am stuck with trying to refinance with them... I need resolution,

Company response to consumer: Closed with explanation