vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I submitted this claim myself and no third party involved. I XXXX XXXX XXXX XXXX, XXXX Person and creditor. I submitted A FTC identity theft report to remove this fraudulent account XXXX They received the FTC and told me it will be off on XXXX. But I checked my credit report. Seven 30 days later and it is still on my report. According the Fair Credit Reporting Act 15 U.S.C 1681 Section 602. A block was suppose to happen within 4 business days after the date of receipt.

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I submitted this claim myself and no third party involved. I XXXX XXXX XXXX XXXX, Natural Person and creditor. I submitted A FTC identity theft report to remove this fraudulent account XXXX. They received the FTC and told me it will be off on 24-72hrs. But I checked my credit report. Seven 30 days later and it is still on my report. According the Fair Credit Reporting Act 15 U.S.C 1681 Section 602. A block was suppose to happen within 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the XXXX of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2022-01-20 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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing 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 non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Once again Chime has randomly closed my account stating I violated something. I havent at all. They sent a notice and closed it immediately. Didnt give me a chance to get my money out or anything nor did they speak to me for any understanding. I now have no way to feed my kids or get gas. This is embarrassing and tiresome and ridiculous since this is the 2nd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I called Experian Consumer Credit Reporting Agency to dispute several inaccurate entries on my consumer report such as outdated addresses, additional names, and speaking with representative I was told that an outdated address could not be removed because it was tied to an account and could not be removed, I expressed concern and verbally asked representative was he deliberately violating my constitutional rights to privacy and accurate and complete information per Fair Credit Reporting Act. 

Because he don't have my consent to control my consumer report at free will. I received an email later that day XX/XX/XXXX saying my dispute has been updated. On XX/XX/XXXX I checked my credit report and to my surprise an old outdated address from XXXX has been added to my report. Experian constantly, knowingly, willfully deprive me from liberty, life and the pursuit of happiness and abridge on my Constitutional Rights. 

I have never had a XXXX credit score evidence from XXXX that is within their system, I have been subjected to the custom and usages of Experian violating FCRA, FDCPA, Bill of Rights. Experian has defamed my character, willfully confined me financially, denied me of accurate, complete information within my consumer report and deny my right to privacy according to the The Privacy Act XXXX. Experian constantly add old outdated information to my report every time I dispute outdated information. As a consumer I have rights that should not be violated.

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 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
Several times a day get calls from XXXX for someone whose name we do not recognize and who does not reside in our household. The caller is a recorded message and claims to be Truist bank and gives us a reference number to call them back. Seems to be a debt collection agency. We have no business with that bank and that bank isn't even in the part of Delaware where we live. So not sure why they keep calling. We did not want to call them back as we just want them to leave us alone. They seem to have the wrong number for whoever they are looking for. Sometimes they call several times a day.

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 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello, On XX/XX/XXXX my XXXX XXXX cards on my account were stolen from her person as she took her XXXX min walk from the XXXX XXXX in XXXX to her XXXX. I am in XXXX. A number of purchases were made while I was sleeping and she was in class, the were unauthorized fraudulent theft. Early XX/XX/XXXX I called Chase.com to cancel the cards, they had already put a fraud alert on both cards- XXXX ending XXXX and XXXX XXXX ending XXXX. Chase 's Fraud operator was efficient and reassuring, together we went through each fraudulent unauthorized transaction and he confirmed they would be removed within XXXX  hours, he cancelled and expedited new cards now in my possession. XX/XX/XXXX XXXX XXXXXXXX  reported the theft of her wallet and contents to XXXX XXXX Police Department and received an case/incident number. I sent this report with her detailed information in email to Chase.com through the secure message option on my chase.com dashboard, and have continued to email each day for resolution. Today is XX/XX/XXXX. In my communication with chase.com I have included photos of my Chase.com dashboard where I repeat myself to identify all fraudulent unauthorized transactions of XX/XX/XXXX which was first done early XX/XX/XXXX with the chase.com fraud  operator. Initially I received an email reassuring me of the XXXX guarantee to remove these charges. On XX/XX/XXXX the unauthorized charges were in PENDING mode, then XX/XX/XXXX I noticed some of these unauthorized charges were removed and other unauthorized charges moved to my dashboard current statement so PAID. I have tried to call Chase.com many times since XX/XX/XXXX but they do not have an option for 'speak to fraud department XXXX it is not offered. Each day I have written expressing my concern and listing the fraudulent unauthorized charges on my XXXX and XXXX XXXX cards. I receive an endless cycle of auto responses with misinformation of how to speak to someone. This is not acceptable. It is notable that the unauthorized fraudulent now PAID charges are to big corporations, the unauthorized fraudulent charges Chase.com removed were to small vendors, but the big companies unauthorized fraudulent payments have not!! 
Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: KY

Complaint narrative:
In XXXX I applied to re-finance my home mortgage with XXXX XXXX XXXX Company. I told the representative, XXXX XXXX XXXX, that I did not want to finance for another 30 years loan, as I had already paid for 9 years on my home. I recently found out that my home is not being paid off until the year XXXX. I contacted my loan management service, Rushmore Loan Management Services, and they sent me a document that says the " note '' is due to be paid off on XX/XX/XXXX, that has my signature on a different page. I do not have this form in the copies of the re-finance included in my records, signed or unsigned. In fact, none of the copies of the documents sent to me, for my records, has my signature on them. I do not have one copy of the re-finance loan that contains my signature. I tried to tell the loan management company many times that the contract needed to be voided because of the mistakes made when I re-financed, but they have chosen to ignore all my efforts. I was also promised {$430.00} refund from my escrow, but I never received that money. I was later told that it went towards my new escrow account, as it was short. Now Rushmore Loan Management Services is selling my account over to XXXX XXXX XXXX XXXX XXXX beginning XX/XX/XXXX. I can't afford to pay on this loan another 23 years, I'm XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I spoke with PNC Bank today, XXXX XXXX. My problem is with the escrow account. I am exempt from property tax for XXXX and XXXX. My current escrow balance is {$1500.00} and I have been paying an escrow shortage of {$11.00} since XX/XX/XXXX. They have escrowed money to pay a tax bill that I don't owe, and yet they will not refund me the unused portion. Also my next payment due XXXX first still shows a full amount for property tax and the {$11.00} escrow shortage. I don't think it's fair to keep my money and not send me a refund, and I don't want to keep paying for an escrow shortage that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian is responsible for my credit score to deceased tremendously. 
I apply for XXXX XXXX credit card with a high credit score. No negative Credit reporting, no missed or late payments. Small debit with no hard Inquiries. I first check on my computer under Experian to see if it was lock For fraudulent security alerts and it was open. I open and close it periodically. 
I when on to XXXX XXXX within 20 minutes to apply for credit ( declined ). 
I stared received alerts from Experian stating your score has decreased. 
I eventually received a letter from XXXX XXXX stating we have denied your Application unable to verify credit reference due to security alert. 
I am an older diverse individual with a large family income that stays on top of it Credits. I felt low and embarrass at the store. 
Experian stays in your accounts not always in a helpful way. 
I want my credit score to be put back where it was by EXPERIAN wrongdoing. 
I also want that Experian XXXX XXXX  XXXX taken off my report. 
That account is closed with a XXXX balance. 
Why these company states they are trying to help everyone open credit When they cant move an inch finding information to help individual.

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: LA

Complaint narrative:
I have requested my report and security freeze from Accurint. I have yet to receive what I have initially requested from the company. I do not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: GA

Complaint narrative:
I left the agency and I was paid my annual leave. They removed my leave then put it back on and issued me a leave and earnings statement that they charged my leave as taxable wages. The same amount issued to me as taxable wages was reported to the credit bureau as a charge off. It was not a charge off, it was issued to me as income which was reported as wages on my leave and earnings statement and federal/state taxes. I submitted a ticket to the agency The Ticket Number is XXXX. I also have a case file that was open ( case number 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 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Recovery Solutions Group, LLC
State: MA

Complaint narrative:
I had my consumer right violated. I had sent an Affidavit of Truth and cease and desist letter to Recovery Solutions group LLC. I have attached the cease and desist. It's been 30 days and they haven't responded to my affidavit of Truth. They have called after receiving my cease and desist. I also attached the invoice they sent me which violated my federally protected consumer rights. I attached the screen shot that my affidavit of Truth and cease and desist letter was received by them via certified mail and they still insisted on calling me and leaving voicemails. They also contacted my family members. I have attached proof of how they violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
Referring to pervious complaint # XXXX This is a new complaint following up on the commitment made by Cash App in regards to recovering a missing deposit of {$750.00}.

The company stated that resolution could take 2-3 weeks from XX/XX/2021. 
It has now been 27 days and they have not resolved my missing deposit of {$750.00}. 

I do have some additional information regarding the missing money : - XXXX XXXX confirmed the ACH to Cash App ( Square inc, ) on XX/XX/2021 and provided their phone number ( XXXX ) and the trace ID ( XXXX ) - They also provided the company ID where the reversal initiated ( XXXX ) - They said the {$750.00} went to Square inc and provided the phone number of XXXX. When I called that number, a Square inc. representative told me the money went to Cash App, which is a different division of Square inc., and that she couldn't give me their number.

It has been over a month and Cash App / Square Inc. refuses to acknowledge and return my {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing is the third mortgage loan servicer servicing the mortgage loan secured by a condo unit that was owned by my late mother. One of my siblings prevented me from starting the probate process earlier, nevertheless, I continued making all the payments, but when Specialized took over, they stopped accepting my payments, and the real estate taxes included in the escrow were not paid to the county, placing a lien on the property, that was later paid by Specialized. There was not any type of communication from Specialized explaining what they had just done, nor what were the repercussions, and not even what happens next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Ive sent a letter via certified mail to Navy Federal Credit Union last month concerning various factors that resulted in the improper reporting on my XXXX Credit Report. First, in the state of Alabama the statute of limitations for an open and liquidated account *credit card* is 3 years. This time has elapsed so by law this negative charge off account and all of it remarks should be removed from my XXXX report. I disputed this with XXXX and the account came back as verified and accurate. Based on the law, i requested a copy of documentary evidence to prove that i owe this debt and this has not been received. No documents were signed by me, therefore my FCRA rights were violated. There was no legitimate business purposes. Navy Federal Credit Union has failed to respond to my certified mail inquiry timely, and furthermore i am requesting this negative account to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: LA

Complaint narrative:
I have requested a security freeze and my report from NCTUE and have yet to receive what I have requested. I do not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
Originally was not able to access the bank account and spent a lot of time on hold trying to access the account eventually filled a cfpb complaint. PNC never resolved account access issue so I decided to close the account. 

Multiple calls over 2 months to try to close the account several hours spent on hold each time. 

XX/XX/XXXX Officially closed the account with PNC and the " check mailed '' according to PNC. 

XX/XX/XXXX Called to follow up on the check and was on hold for over an hour. Said check would be to me in XXXX - XXXX hours and a XXXX would follow up. 

XX/XX/XXXX Manager neer followed up and check still not received and now filling cfpb complaint for the second time.

Company response to consumer: Closed with monetary relief