vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.

Complaint narrative:
I am trying to get my free annual credit report so that I can apply for a home loan. Using XXXX XXXX XXXX returns an error for all three credit score providers.

I am a U.S. citizen that has been living abroad for almost 10 years. I will soon move back to the U.S. and need a credit report so I can apply for a home loan. During that time I have always maintained U.S. bank accounts and used U.S. credit cards. I should have maintained an active credit score during this time. When using the annual credit report website, you are required to submit a U.S. address and phone number. I have neither as I have been living abroad. To attempt to retrieve my credit score I used my last mailing address from 2012 and my old U.S. phone number ( to which I no longer have access ). I am unable to provide my current, foreign address and number to the website. 

Requesting the free report from any report provider returns an error on the website with no information on how to successfully retrieve my report. I have attempted calling customer support for Experian, XXXX and XXXX, none of their support lines were able to assist me in obtaining the free credit report. 

The credit report process is totally broken for U.S. expats attempting to retrieve a credit report while living abroad. I am blocked form applying for a home loan until this issue is resolved. I just want a credit report from any/all of the credit score providers.

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 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I recently talk to the American Express travel agent about my cancellation about my ticket they where told me that I cant refund it they can only do is airline credit I dont want airline credit because I paid the ticket on my American Express card and my flight begin on the XXXX I want refund instead of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
my account was hacked PNC, in XXXX, I was contacted by phone that my payments was not received. I contacted the bank and was informed that I had submitted a claim on-line I informed them that I never requested anything. I have been trying to get this resolved. But however, the Bank keeps sending My money to the Merchants and taking my money from the account. They asked for proof that I paid out of pocket. I have sent them a copy, and they still keep refusing to return money back in my account. I keep filing disputes for them to return my money but have not received anything. This is my last resort to file with this company. I am so exhausted and tired of fighting to get my money back from PNC. please help me with the Issues XXXX and PNC Bank. They keep reversing the provisional credits and accessing me overdraft and sending my money back to the Merchants. Refuse to speak with me and informing the representative what to tell me. I have not gotten a call or nothing, I have requested someone from that department call me, I am still waiting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Some one use my sears credit card on XX/XX/2014 for XXXX and now XXXX XXXX want me to pay XXXX. This charges wasnt mame by me.

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 2022-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XXXX XXXX, XXXX Original balance {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
i had a secured credit card with citi cards for a little over XXXX yrs always paid on time never missed a payment .Im trying to fix my credit and after being a year i asked for a credit increase got denied after a third time i was told that because i had a secured credit card i wasnt able to get a credit increase.The high interest fees and they telling me 2 times to wait another year when they never were really gon na give me an increase just to keep squeezing money out of me thru their interest and fees.Now i finally got fed up and asked for account to be closed and my {$800.00} reimbursed and it has taken them more than 60 days to date to do so.I was informed that on this past Saturday XX/XX/2022 that the refund of my money was approved now i have to wait another 10 to 14 business days to get my funds when i have already waited over 60 days because the first time i called to finally close it they didnt do it because their excuse was, well we usually wait up to 21 days because customers change their mind ... ... theres got to be some type of regulation on the abuse these banks do on hard working people

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 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: OH

Complaint narrative:
The company took over payments from me alleging that i did not have insurance despite me providing insurance information. They claimed they sent a refund check and i never received it. I asked for a refund check to be sent back on XXXX. They agreed and mailed me a check dated XXXX which I received in XXXX. I cashed this check BEFORE 90 days is up and the bank said that AIM LOAN issued a stop payment on this check and thus caused me to incur fees and not have this check. 

When I called up AIM LOAN said that i requested a stop payment on this check on XXXX. How can I request a stop payment on a check that has not even been issued yet? I didnt. AIM LOAN stopped this check on its on account because they dont want to refund the extra money they charged me on the extra fees that I have incurred because of this. They need to refund this check, the overdraft and stop payment fees and all other fees that I have incurred because of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I was only called on the phone about the debt and never sent a bill. I was in a law suit and as a result the landlord created a fake credit claim. I settled the case with the landlord, however they were supposed to take the debt off of my credit report and cancel it with the debt collection agency, but they did not. 


The debt is with FCO 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 explanation
Consumer complaint received 2022-04-25 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:
In Accordance with the Fair Credit Reporting Act, the list of accounts below has Violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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

15 U.S.C 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than record of convictions of crime which antedates the report by more than XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ # XXXX ] [ XXXX XXXX ] ] [ # XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX ] ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX ] [ XXXX ] [ XXXX 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 2022-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Assistance Inc
State: WA

Complaint narrative:
I was contacted by a female representative of Financial Assistance Inc. The woman was pushy and used the tone of her voice to try to convince me that I agreed to pay her or her company in 2019. She asked when I would start payments because my credit would be affected. I do not have a contract with this woman or her company, and I have had to block the number for calling at odd hours and either mumbling a message on voicemail, or just letting the call go to voicemail, and say nothing. I have mailed a certified letter to the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
In XXXX I was feeling lonely and was on multiple dating websites. One of them was XXXX, and I had been chatting with someone in the XXXX. One thing lead to another and they took a video of me XXXX chatting with them. They wanted me to pay to get it taken down, and managed to get {$500.00} out of me. Well I eventually blocked them and reported to XXXX XXXX, and the transfer sites that it was a fraud. Well, come to XX/XX/XXXX I was contacted by an email claiming they were the Supreme Court. They had me pay {$4600.00} for a bond fee on XXXX second to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had stayed in contact with them for a few more weeks trying to see how the case was doing, and then they had me pay an additional {$2000.00} as a restitution fee. This was paid to an XXXX XXXX who banks with TD bank. After I paid this fee they never contacted me again. They seemed legitimate, and I believed every word at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NETWORK CAPITAL FUNDING CORP
State: FL

Complaint narrative:
XXXX - We closed on our cash out refinance FHA loan. 

XXXX Our 3 day right to recession ended. 

XXXX - Our loan was supposed to fund and monies wired to our account. 

XXXX - Was told by lender they can not fund the loan because we don't actually qualify for an FHA loan. Underwriter thought Florida was a " Dry Signature '' state therefore, underwriting was not completed until after we signed our closing documents. When I told them that Florida is a " Wet Signature '' state and that " Dry Signature '' is not allowed in Florida I was asked " WHEN DID THAT HAPPEN. '' I was then told that the compliance officer 's MATRIX shows that Florida is a " Dry Signature '' state therefore, we are going to be treated as such. 

XXXX They are " trying '' to fund our loan but not sure if they can because they can't make the numbers work. Everyone is pointing the finger at each other. I am being asked by management why i'm brining his and the loan officers name into it that it's underwriting 's fault.

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Recently, I received copies of my consumer report and noticed many discrepancies with my personal information. I attempted at least twice ( XX/XX/XXXX, XX/XX/XXXX ) to address this matter with each credit reporting agency, but to no avail. My report continues to show incorrect outdated addressees, outdated telephone numbers no longer in use, inaccurate outdated employment history. It is imperative that my personal information be correct and updated to reflect my current address, telephone number and employment.

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Recently, I received copies of my consumer report and noticed many discrepancies with my personal information. I attempted at least twice ( XX/XX/XXXX, XX/XX/XXXX ) to address this matter with each credit reporting agency, but to no avail. My report continues to show incorrect outdated addressees, outdated telephone numbers no longer in use, inaccurate outdated employment history. It is imperative that my personal information be correct and updated to reflect my current address, telephone number and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Some one use my XXXXXXXX credit card on XX/XX/2014 for XXXX and now midland credit want me to pay XXXX. This charges wasnt mame by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: PA

Complaint narrative:
In accordance with the fair Credit Reporting Everything has to be accurate on my credit Credit bureau stated my account was properly investigated but how is that possible if the open date is in accurate..This ground for removal immediately they also violated my rights under..15 U, S, C SEC 1681A States I have the right to privacy.15 U.S.C Section 604 A2 : it also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-04-25 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: AZ

Complaint narrative:
I was checking my credit report, you post incorrect information. The accounts never belong to me and Every bureau has different information which is also wrong. Im sure that someone hacked my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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: AZ

Complaint narrative:
I was checking my credit report, you post incorrect information. The accounts never belong to me and Every bureau has different information which is also wrong. Im sure that someone hacked my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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: CA

Complaint narrative:
hello i have hardinqieries on my credit report that was not me XX/XX/XXXX EQUIFAX XXXX EQUIFAX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, charges on my bank account were made to XXXX XXXX  for {$500.00}, {$870.00}, and {$3000.00}. However, I do not even have an account made with this merchant, nor have I heard of them before. I called my bank, JP Morgan Chase, about the charges, and were able to reverse the first two charges back to me, but now my {$3000.00}, which the reversal money was a part of, is being denied as the bank states I have an account that makes monthly payments to, which again, can not be possible as I had no prior business with this merchant. I have an XXXX address that may lead to who or where the transfers are coming from, and after looking up where it is, it is in a completely different country than my residence. I need that {$3000.00} fully refunded back to me as I have payment that need to be made, and that one charge has completely depleted my account to less than {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: NJ

Complaint narrative:
IM WRITING THIS LETTER ON MY OWN. I swear all information provided within the attachment under the penalty of perjury is true and accurate to the best of my ability and knowledge.

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 2022-04-25 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: NJ

Complaint narrative:
IM WRITING THIS LETTER ON MY OWN. I swear all information provided within the attachment under the penalty of perjury is true and accurate to the best of my ability and knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
chex systems has not removed my information off there reporting system. XXXX XXXX XXXXXXXX has claimed there was fraud on my account which there was not due to the privacy act my rights have been violated claiming this information this account was closed on XX/XX/2018 ive disputed this item several times and no resolution has happened

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
Account belonged to my ex and was closed XX/XX/2015. Should have been removed by now. I tried to dispute this but it just made my credit report worse. I need to remove this asap. I was told under the Fair credit report act I can get this removed to help my credit.

Company response to consumer: Closed with explanation