vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 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: VA

Complaint narrative:
Identity theft I disputed with a police report and nothing was done

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 2022-03-30 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: FL

Complaint narrative:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT

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 2022-03-30 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: FL

Complaint narrative:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF XXXX. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I leased a XXXX XXXX in XX/XX/XXXX. At the end of the lease term, I secured an auto loan from BB & T to pay off the lease on XX/XX/XXXX and the lease was paid off ( XXXX XXXX ). However, the title from XXXX was sent to BB & T and was lost. 

I paid off the BB & T auto loan in XX/XX/XXXX. The BB & T lien was never recorded nor was the XXXX XXXX XXXX located. 

Over the past 27 months, I have struggled to get clear title and it finally was received last week. It cost me {$560.00} ( Ex A & B ). 

Thank you for sending me a refund of the out-of-pocket cost in your check for {$560.00} promptly.

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 2022-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MD

Complaint narrative:
Tenant sent payment via CHIME online application. By the time I set up CHIME account, the payment was marked expired but the funds were not returned to payer. After repeated contacts to CHIME customer service, CHIME has not returned the {$1200.00} payment to the payer or released it to payee :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: FL

Complaint narrative:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit calls at least once a day from various numbers and never leaves a message. I don't know what this debt is for on whose behalf they are collecting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC has my account noted so that any refund request made will be denied. This is unfair practices and discrimination. Each request should be researched and approved or denied based on each individual transaction or situation. I spoke with XXXX on XX/XX/22 and a request for a {$36.00} fee to be returned to my account was denied. PNC has low cash mode linked to my account which allows more time to deposit before being charged. My paycheck was deposited within this time frame which was the reason for my request. PNC has determined my account is no longer eligible for refunds no matter the situation and this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: MA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 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 explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
It took Flagstar Bank 85 days from the time I applied to refinance my mortgage with them ( XX/XX/XXXX ) to the closing date ( XX/XX/XXXX ). The process was rife with delays on Flagstar Bank 's end, and their delays and mistakes cost me substantially in terms of the interest rate I ended up with ( I was originally locked with a rate of 3.375 % and ended up having to accept a 4 % rate because interest rates were heading higher ). Here is their " resolution '' of my original complaint : " A review of your account determined that a delay occurred when a revised closing disclosure was sent to you. You received the closing disclosure reflecting updated terms ; however, the terms were not locked. We apologize for any confusion or inconvenience this may have caused. '' I specifically instructed them not to do anything to delay the closing of my refinance before they sent me the " revised closing disclosure '' referred to above, so the fact that they did that and negated my rate lock is totally on them. Unless Flagstar Bank steps up with a more fair resolution, it seems my only option is to sue 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 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I received a check from XXXX XXXX on monday XX/XX/22 and did a mobile deposit to my bank Wells Fargo on Tuesday XX/XX/22. They deposited {$400.00} into my checking account and said the rest of the money {$1800.00} would be deposited on today XX/XX/22. When I checked my account this morning they had taken the {$400.00} back and I could not understand why. I called Wells Fargo this morning and they said that XXXX XXXX did not release the funds to wells fargo. I called XXXX XXXX  as well and they said that everything was clear on their end and the funds were released. Wells fargo is now holding my check until next Thursday XX/XX/XXXX. I have bills that are coming out and need my money to be released as soon as possible. I have never had this happen before and have never had an issue receiving funds in a timely manner.

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 2022-03-30 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: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage is continually reporting my mortgage inaccurately to all three reporting agency. My mortgage is being reported as closed and included in bankruptcy. Account never closed and paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccurate information on credit report. FTC violation

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 2022-03-30 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-30 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I signed up for the Jet Blue Credit Card on XX/XX/XXXX. At the time I signed up Jet Blue offered XXXX points with the stipulation I paid the annual fee, and charged the required amount within 90 days. At that time I purchased two round trip airline tickets to Florida. I paid the annual fee on XX/XX/XXXX and charged {$2300.00} to the card ( this is twice the required amount ) .on XX/XX/XXXX. This offer was made on line when I was about to charge the tickets to my visa account. It also was posted in the airline terminal and onboard JetBlue flights. I also received three emails advertising the points. The first was dated XX/XX/XXXX, the second was dated XX/XX/XXXX and the third was dated XX/XX/XXXX. The XXXX point offer was in effect before and after I signed up..Recently I received another email dated XX/XX/XXXX indicating the clock is ticking - be sure to earn your bonus points. I spoke with customer service at JetBlue and the representative stated that the information I provided was correct but they needed Barclays to authorize the points. I spoke wit Barclays customer service and they stated they would look into it. On XX/XX/XXXX I received a letter from Barclays stating " We're currently unable to assist you with your rewards issue ''. I contacted customer service and asked for a reason and they indicated that since I purchased tickets at the time I signed for the card they had the option to give the discount or the points. Nowhere was this offered and they advised it was their choice to do this. In checking my account I see that a XXXX XXXX bonus was applied instead of the XXXX advertised at the time of enrollment. I believe this is very unfair to be treated this way and hope you can help with this issue. At first I believed this was an administrative error but after speaking with both JetBlue and Barclays it appears to be more than that.

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 2022-03-30 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
AFFIRM INC XX/XX/2018 {$1000.00} Account Inaccurate and already settled to the Creditor and disputed submitted to the bureau for deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted documents that includes a copy of my U.S, identification, social security card as well as a copy of my FTC report. along, with a letter informing Transunion that I am a victim of identity theft. They have failed to acknowledge my mail. All mail was submitted by United States postal services. I have sent data in twice and have tracking confirmation that all mail was received. Each time XXXX contact Transunion, they state they have not received any documents. Today, I spoke with ( XXXX XXXX at XXXX XXXX at XXXX. In which, this agent has also stated documents has not been received. I have attached tracking confirmation.

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 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: AL

Complaint narrative:
I called credit karma since the beginning of XXXX my card was stolen and used on someones XXXX XXXX One amount XXXX  dollars and then XXXX dollars I call twice a week and the say they cant help me because its a third party transaction but I do not have a XXXX XXXX and XXXX XXXX will not help me because I am not a customer but credit karma will not file a dispute or help me in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, money was taken out of our business account fraudulently. Wells Fargo will not reimburse the money even though it was stolen money.

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 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: IL

Complaint narrative:
Hi, I received an email from Chime in XX/XX/2021 about a debit card that was being sent to my address. I did not open any such account in addition, that address they had on file was old. I immediately emailed them and told them I did not open an account. 
I am currently undergoing other complaints of someone opening up bank accounts in my name, using my old address.

Company response to consumer: Closed with explanation