vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 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: NY

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I applied for the Chase Amazon credit card. They required income verification. I spoke with Chase and sent via docu-sign my W-2. Chase declined my application. I contacted them. They said they were looking for unemployment income verification - I have never been unemployed. I re-explained and was supposed to receive a second docu-sign link. Never received it. Called them again and was bounced around 6 different " teams. '' All with waiting times. I filed a complained with XXXX  on XX/XX/21. Chase reached out to me and was unable to find my application based on my social security number - I did not have the " reference '' number on their original request for additional information.

A few days/a week or so later, I was told that my W2 showed income {$1000.00} higher than what I put on my application and since the amounts didn't match, they denied my application; this is odd, as they " couldn't find it before, '' and never even gave me an opportunity to increase the income noted on my application. They then said too much time had passed and I would have to " re-apply '' for them to consider anything again. They never gave me an opportunity to correct that figure. In fact, my income was under-stated which seems like less of a reason to deny an application. Chase called me today, XX/XX/21 after I tried to initiate arbitration with XXXX  and they pretty much just told me that they're not doing anything since too much time has passed, but I can be " re-directed '' to the lending " team. '' I have never been required to have W-2 income match any credit cared application I have submitted to the XXXX. This seems like an abusive practice to lure in lower income people less able to pay their credit card bills ( I have never made a late payment on any credit card and pay my balances every month on all but one ) so they can get their interest payments from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I do NOT bank with BB & T bank and I got notices in the mail on XXXX that " I '' opened a checking AND savings account and I also denied overdraft for these accounts. I called them on XX/XX/XXXX when I got more notices from them about the same accounts I did not open ( with my name but incorrect address ) she told me that she was noting them as a fraud accounts and that they were blocked as identity theft. Then I got the debit card for the account in the mail. so I drove to XXXX PA and went IN the actual bank to report it and ask to get it taken care of. The lady in charge was VERY RUDE and told me that they opened HUNDREDS of online accounts and that they knew about them and were looking into them. I said well are you taking care of it or what? she said YOU better deal with YOUR social security number because they HAVE IT and they are using it. I said I ALREADY DID I called the XXXX and put a lock on all my credit. with all 3 credit companies. then I get letters on XX/XX/XXXX telling me there is a XXXX on the account and XX/XX/XXXX telling me I have a XXXX and there is a XXXX and a XXXX on the account. then on XX/XX/XXXX letter telling me that i need to deal with my overdraft of XXXX or they are closing my accounts and reporting me to XXXX. Then on XX/XX/XXXX i get a statement from Truist ( they now own BB & T ) telling me I still have a XXXX balance. and now on XX/XX/XXXX I get a letter form Truist telling me that the account is closed and XXXX is now reported to XXXX and I need to pay it asap. what happened to reporting it as fraud and taking care of it for me????? it seems to me they did NOTHING about these accounts that were open in my name and there only goal is to ruin my credit even more. I just got off the phone with their recovery dept and they sent me to claims and that lady told me there was nothing she could do for me and that she was clueless as to how long it takes for fraud cases to go through and be notified and there was NOTHING she could do for me. they ARE USESLESS. she told me i was NOT a client of theirs and that she could nto help me!!! really I have 2 FRAUD accounts in my name with YOUR bank that I do NOT want and I am NOT a client that you can HELP.

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 2021-11-03 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: PNC Bank N.A.
State: FL

Complaint narrative:
Please note that on XX/XX/2021 I lost my debit card ending in XXXX. I reported this to PNC Bank on XX/XX/2021, and I was advised to put a lock on my card which I did on the XXXX or XXXX of XX/XX/2021. Then on XX/XX/2021, I went into the PNC branch located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and I met with Mr. XXXX  XXXX who provided me with a new card ending and he advised me that the card ending in XXXX was cancelled. I discovered today that the card ending in XXXX was never cancelled and an unauthorized charge from XXXX for $ XXXXUSD posted 2x to my account in error. I can not get anyone to fix this. This is a terrible error and it needs to be fixed. Why this happened I will never know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
0n XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21 and counting. I have sent certified mail to Midland Funding LLC requesting that their company validate an alleged debt they are reporting on my credit reports. I do not recall doing any business with them or have any contractual obligation to this company. 

To this date, the company has not taken any actions. Yet, they continue to harass me, mail me, and report this debt after verified delivery of my letters. 

They are in direct violation of the Fair Debt Collections Practices Act. In my opinion they have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease-and-desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed an online dispute via TransUnion regarding an account that is being reported due to fraud. TransUnion did not investigate the new dispute and immediately came back with an autogenerate response stating the account was verified. I have a letter from the collection company stating the account was closed and removed.

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 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
U.S. Bank, seeking excessive amount about 800K+. XXXX XXXX of XXXX XXXX told me not to attend the conference. He took the documents but never return them. I will uploaded copies of said documents. He didn't submitted them as exhibits nor challenge the different copies of the note the allonge and the assignment that clearly shows that the note was not transfer to USBank only the mortgage in a discovery. Please note the allonge from XXXX it doesn't have the name ( XXXX ) on it. But, the XXXX allonge has the name ( XXXX ) on it. 
Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Innovate Managed Holdings, LLC
State: SC

Complaint narrative:
The date that this loan was open was XXXX XXXX and the amount that they are saying I owe is {$14000.00}. I applied to get a car from the creditor but was denied but they are saying that I got the vehicle and didn't make the payments. I never received the car and when I tried to reach out to them I could never get in contact with anyone. So to my understanding they took this off my credit but within checking my credit report I see that they are still on there. They are saying as of XX/XX/2015 I owe {$1900.00} which is not true!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: GA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to Experian about inaccurate information on my report. I disputed 2 accounts on my credit report and sent the letter out certified mail. Today is XX/XX/XXXX and I have not received a response from Experian about my request to delete two accounts on my credit report. 

I am the consumer and this is a direct violation of, FCRA as quoted, " According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. '' I am a natural person, I am the consumer 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 2021-11-03 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: OK

Complaint narrative:
I sent a letter to Experian on XX/XX/2021 disputing inaccurate accounts on my credit report and they continue to verify these accounts when they are inaccurate leading me to believe that they did not conduct a proper investigation into my dispute. They are continuing to report inaccurate accounts even after my dispute. I have sent them several letters regarding these inaccurate accounts and not only did they violate the FCRA by not conducting a proper investigation, but they also violated the FCRA by not provide their method of verification. I read on the FTC website that furnishers and credit bureaus have to report information 100 % accurately. If that is the case, why is it so difficult to get inaccurate information corrected or deleted from my credit report if I followed all the steps given by the FTC and CFPB? I would like them held accountable for their lack of investigation and continuing to report inaccurate accounts after multiple attempts to get them to fix it.

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 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: IL

Complaint narrative:
AFNI collections have been calling and harassing me for months, seeking someone I DO NOT KNOW, despite me telling them numerous times and writing them as well to inform them of the same! Most of the calls come from XXXX. The latest call occurred XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This account from LVNV appears on my XXXX credit report stating account was opened XX/XX/20 for XXXX dollars. I have no knowledge of this account. Ive never had an account with this company. I disputed and the company states the debt is mine. I would like to see paper work with my signature and the certificate showing they legally have the right to collect debt. My email is XXXX and mailing address XXXX XXXX. XXXX XXXX XXXXXXXX IL. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XXXX XXXX, 2021 I applied for a credit card with Penfed, Penfed requested personal document Identification with photo and Social Security Card. 
On XX/XX/2021 after I sent all the information requested I contacted an agent of Penfed using the chat in the contact option for the bank. The agent in the chat informed that my application was conditional approved they just need to review the documents I sent and I should received the response in 24 hours. 
On XX/XX/2021 I Called Penfed Over the Phone due To not Getting the Response within The 24 Hours indicated The day before. 
On XX/XX/2021, I called Penfed again, and the agent that answered the call hung up on me after I was 45 minutes in the line waiting for him to get a supervisor ; my account was fully verified by the automatic system, and I also confirmed my history with him before asking for the supervisor, I am assuming the agent hang up on me in propose because he did not call back even that my contact information it's on my account with Penfed.

I called again to Penfed and spoke with a supervisor and explained to him how unprofessional and incapable its Penfeds customer service and how I feel About being Treated so rudely. 
A few minutes after the call, I received the denial email for the credit card. For unjustified reasons, on XX/XX/2021 the actual card I have with Penfed was approved with more inquiries, more balances, and the worst credit score.

Penfed denied the credit card that I was informed was conditionally approved for retaliation. Because of discrimination against me, I sent a valid ID and social security card that matched the information in the application that I was conditional approved.

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 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am making regular monthly payments on this account. This company calls me daily. I have asked them repeatedly to stop and blocked several numbers. They have also reported this to my credit report as deragatory even though I am making regular payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 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: IL

Complaint narrative:
It has been 30days and I have not received a response from credit bureau about items I have reported that are not mine please remove items.

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 2021-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following information that your Transunion is reporting. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item XXXX for {$2000.00} is inaccurate because the debt has been paid in full because my XXXX has been approved for discharge of XXXX  loans. I have tried disputing this matter online with Transunion and each time they have responded with " your account is valid ). I have reached out to XXXX directly and they have also agreed with me in saying the account is {$0.00} and Transunion should close the account. I even tried reaching out to the company XXXX supplying the account as open and the 800 phone is invalid.

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 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
Central Recovery bought a medical debt that was already taken off my credit and reput it back on my credit reports without sending me any written notices before placing it back on my credit report, breaking the FCRA protocol. They also can not provide validation of this debt and refuse to remove it from my credit report, i was also told by one of their reps they have other debts that they haven't put on there, but will as well. I have no documentation of those either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: MO

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 2021-11-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: U.S. BANCORP
State: AL

Complaint narrative:
On XX/XX/21 I spoke with XXXX and renewed my CD for 17 months at the rate XXXX. XXXX told me that he renewed it and will send me a copy of the CD. But he failed to renew it. 
On XX/XX/21 I spoke with XXXX, she told me that manager will renew it and will give me a call and send me a copy of the CD. But I never received any call or copy of the CD from the manager. On XXXX spoke with XXXX, she told me to call back. On XX/XX/21 I spoke with XXXX, she told that CD has been renewed and manager will call me within an hour and send me the copy of the CD. But I never received any call from the manager.

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 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Hello, One of our client accidently sent two wire transfers to an account that is not our account at Wise ( formerly Transferwise ). The last digit was changed by mistake.

Details about the two payments : XXXX XXXX USD on the XXXX of XX/XX/2021 XXXX XXXX USD on the XXXX of XX/XX/2021 We have asked Wise team to help us locate our funds and retrieve our money. The sender 's tried to recall the fund and ask for Transferwise help to confirm, they refused to make contact with the sender 's bank. We have then ask them to make contact with the owner of the bank account that accidently received those two wires transfer, they refused again and didn't propose any solution on how to solve this case, saying it is not their problem to handle conflict between its clients.

Thank you, Best regards,

Company response to consumer: Closed with explanation