vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX As you can see this was necessary because Citibank was poor in helping me. I spent an afternoon with the branch manager @ XXXX. We spent hours getting transferred from one Citibank person to another. None were helpful, The idea was to fund a checking account, and when funded qualify for a bonus. I initiated this transferring out of my XXXX savings account to a new Citi account. One thing I was not aware was Citi debted my XXXX account. I never gave Citibank permission to enter and withdraw money from my XXXX account. The XXXX branch manager pointed this out to me, something done without my permission. 

In a reply from the above referred complaint Citibank suggested XXXX could issue an refund of funds. XXXX advised they couldn't since it was Citibank who withdrew the funds. 

I hope you get better support this time.

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 2021-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Acquisitions Group
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX showed up on my credit report in XXXX for a laptop allegedly purchased by myself and then again for a judgment for {$2100.00} for said laptop. I wasn't even in the country when this transaction took place and sent the company a copy of my orders for XXXX. I called the company and made my case. I was called a liar so I hired XXXX XXXX XXXX to dispute the file. Freedom could not provide or prove my identity so it was removed from my credit report. Problem solved right? No! 

Today XX/XX/XXXX. I received a credit alert that my score dropped 39 points. A law firm claiming that I owe military credit services over $ 9k. Called.. amazingly someone answered. This account was sold from XXXX to another company security credit services ( who never contacted me ) and sold again to XXXX XXXX XXXX and now sold to another company Foster and Monroe llc. 

16 years later from {$2100.00} to over {$9000.00} and can not prove ownership. Yes they have my information, but I wasn't even in the country at the time of purchase. How is this legal?????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: NY

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I bought my property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX back in XXXX of 2020. When I originally bought my home, I put down close to 15 % down and was required to obtained mortgage insurance due to mortgage regulations which I obtained. After 6 months I noticed that I had much more than 20 % equity and I submitted multiple request in writing to my current loan servicing company and the continue to deny my requests every single time. I was able to research mortgage guidelines directly with XXXX XXXX and XXXX XXXX and was able to find that I had the right to remove my mortgage insurance when I could prove I had more than 20 % equity which I have tried to prove, but my mortgage servicer wont let me prove. I want to be able to remove my MI and this company uses abusive tactics from prevent me from doing so.

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 2021-11-25 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: TX

Complaint narrative:
After reviewing my reports in XX/XX/2021, I noriced that I had a collection account. I then tried to request verification with no avail. It has now been more than 120 days and still have not received any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
The SYNCB/ Care Credit account was closed on XX/XX/XXXX but is currently furnishing delinquencies to each CRA XXXX SYNCB/ Care Credit isnt the proprietor of this account anymore and hasnt been since XX/XX/XXXX but is still furnishing inaccurate and erroneous information on my consumer report as if they are. See attachments for more details.

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 2021-11-25 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: FL

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LendUp Loans LLC
State: CA

Complaint narrative:
I had numerous payday AND installment loans with lendup over a few years... XXXX loans to be exact ranging from {$250.00} to {$1000.00}. I had reached the highest place in their " ladder '' but the interest remained very high and I was caught for years in a vicious cycle of borrowing and paying off every month costing me thousands of dollars. 
I just read that this agency successfully filed and completed a class action lawsuit against them. 
Am I,, a victim going to see any resitution? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX, Ca XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: Franklin Collection Service, Inc.
State: MI

Complaint narrative:
i have submitted multiple complaint letters to franklin collections & all credit companies that this is a error. they still have not brought my dispute a resolution. they failed to send me any response in regards to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: TN

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
THE COMPANY PORTFOLIO RECOVERY ASSOCIATES LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. XXXX USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1933 The Congress enacted House Joint Resolution 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require a payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of The Congress .... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of currency or coin, or in an amount in money policy, and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts.

15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning such items of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Law Office of Brett M. Borland, P.C.
State: PA

Complaint narrative:
XX/XX/XXXX I left multiple messages for the second time since this has been in collections. I called the property them self who referred me to the contact I have been trying to get in communication with the debt collector to resolve this. Debt Its been over 3 months and no return call. They do not have a site nor can you talk to a live person due to having to leave a message always. I left multiple messages. They is affecting my living situation in which I would like to have this removed from my credit so I can continue with my life. 
My husband back in XXXX attempted to communicate with them and no response. 

I filed 2 disputes since then and still they have not reached out or returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: OH

Complaint narrative:
Disputed a XXXX  with Experian in XX/XX/2021. Experian states remains and the furnisher of information is XXXX XXXX. I have my consumer report that shows XXXX  were removed in XX/XX/2021 and XX/XX/2021. I disputed again with Experian in XX/XX/2021 and uploaded all paperwork from XXXX XXXX showing removals of XXXX XXXX  and copies of my consumer report from XXXX XXXX showing no Bankruptcy 's. Experian again states XXXX XXXX remains and the furnisher of information was 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 non-monetary relief
Consumer complaint received 2021-11-25 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: TX

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: IA

Complaint narrative:
I have personally disputed 3 x a debt with Pro Collect collection agency and XXXX XXXX. I moved out of XXXX and received a great response on my move out report. They claimed they had to replace a 10x15 piece of carpet due to a small stain. They refused to show me the video they take on XXXX and refused to give me the carpet with supposed stain and henceforth refused my deposit refund. 
Now theyve assigned the debt to Pro Collect of which I disputed the debt and they failed to validate and prove the claim rather they just send me documentation on original name of Creditor. 
I want this removed from my credit bureau or should I seek legal action?

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 2021-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: OR

Complaint narrative:
I called in on the evening of the XXXX shared with Crypto.com that it looks like my bank card got deducted 4 times and I only deposited twice on the XXXX of XXXX to start my account. They will not let anyone call in only chat to talk about accounts now They said they would contact me back in the morning with and update. I wake up to your account has been terminated and we have the right to do this and do not have to explain why. I tried to find out the reason. I even told them in my chat I had talked with my bank and never tried to stop payment on 2 deposits, that my bank said all looked good and there was not 4 deducts it only looked like because they were pending at midnight. 

I have pics of my chats explaining and my account was still terminated NO chances to talk with anyone and now I have been told I have no access to my wallet to remove my funds. I even asked what happened if I had a million dollars in my account do you get to keep it and then no comment, This is so disheartening it makes me sick in my stomach. 
Can anyone help me talk to someone about getting my account back open or at least get my funds back. I do not have much money to be doing this. 
The app is very user friendly I like it a lot and I had 3 more friends that were going to download but not now they are freaking out like me, if they can just terminate an account for any reason and keep the funds, That is scary. I have all chat pics Please help if you have any ideas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: NY

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XXXX XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account. Kindly remove it on my account. 
XXXX  XXXX Date opened XX/XX/XXXX Balance : - Late Close XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance - Late Close XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance - Late Close XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance - Late Close XXXX XXXX XXXX ( XXXX ENABLER ) XXXX Date opened XX/XX/XXXX Balance : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
All I want to do is unblock my account for access. The customer service keeps me on infinite holds. They resolved a fraud issue I believe already. Someone tried to cash checks in my name. They have lengthy investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
TransUnion continues to lower my score from XXXX to now XXXX and I have paid all creditors off and or timely the last year. I have now new collections and a mortgage farmed my mortgage out to XXXX companies last year whic didn't do soft rather hard pulls which was detrimental as well. 
They dropped me XXXX points due to my XXXX at 50 % available yet I pay the card off monthly in being cycles.

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 2021-11-25 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: MS

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: TX

Complaint narrative:
Complaint : ( XXXX Bank XXXX XXXX XXXX XXXX Bank account # XXXXhas violated XXXX U.S. Code XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX Bank XXXX XXXX XXXX XXXX Bank to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX U.S. Code XXXXsection b. XXXX, Transunion, and XXXX XXXX must remove XXXX information reporting from and relating to ( XXXX Bank XXXX ) including third party debt collection accounts associated with ( XXXX Bank XXXX ) because the account and information has been transferred and sold ILLEGALLY according to XXXX U.S. Code XXXX c-section XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have submitted a dispute complaint with XXXX, XXXX XXXX, XXXX in regards to a account that is not minds and the account is reporting 3 different balances due. the company did properly investigate the matter. the only remarks on my credit report was the balance updated to the same amount and also dispute resolved. the did not follow the proper investigation per the FCRA,

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 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation