vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: GA

Complaint narrative:
I have contacted TranUnion XXXX  and XXXX  regarding my information being used without my authority. I have requested multiple times that the inaccurate information accounts and inquiries be 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 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 when I logged into my SunTrust now Truist business account I received a message saying that I was not authorized. I immediately contacted the bank and was told that my account has been closed with a no debit order per SunTrust rules and regulations as of XX/XX/2021. However, I personally made a deposit on XX/XX/2021 for {$910.00} which was accepted. I spoke with 3 managers and went to 2 branches without resoultion. I was finally told that there is suspected fraud under investigation and someone will contact me when the investigation was over. I was able to obtain a print out which showed someone tried to hold {>= $1,000,000} on XX/XX/2021 and on XX/XX/2021 a Legal Order Debit for {$9300.00} was garnished from my account by XXXX XXXX XXXX  who was my PPP lender. However, the loan was transferred to XXXX which has that I owe the full amount of my loan and there isn't anything due. XXXX XXXX has no knowledge of any legal debit order, XXXX has no knowledge of said order as well and I was advised to contact SunTrust/Truist fraud department and XXXX XXXX XXXX which I am unable to obtain any help. I have the print outs from all entities. I am a XXXX XXXX and this is my XXXX XXXX which they have stolen my funds and are withholding from me in the midst of a pandemic. This is XX/XX/2021 and SunTrust now Truist still hasn't contacted me not even to tell me about this fraud. I am seeking immediate return of my funds as this clearly has nothing to do with me or my 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 2021-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
This is a follow-up to the complaint I filed one week ago, XXXX, in which Citibank claims to be unable to find {$100000.00} I deposited in an online savings account on or about XX/XX/XXXX. Since filing that complaint, I have unearthed emails from Citibank that give some clues as to the number of that account. Since I can see no way to amend that earlier complaint, I enclose herewith my letter to Ms XXXX XXXX, Citybank CEO, together with copies of those three emails, which identify the bank account as ending in XXXX and the associated debit card ( which out of caution I destroyed as soon as received ) as ending in XXXX. Hilariously, I am still getting emails from Citi urging me to deposit funds in this account which their tech representatives claim can not be found. Thank you! -- 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 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
Opened US Bank savings account in XX/XX/2020 with new account bonus offer of " deposit {$5000.00} by XX/XX/XXXX and hold for 6 months '' for {$100.00}. I met these conditions, as clearly seen in attached deposit statements, yet US Bank is trying to scam me out of {$50.00} - clearly bait and switch. This complaint is a continuation of a complaint that was unilaterally closed after the bank 's response as I was not given the opportunity to respond to their lies by exposing 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 2021-07-27 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: NY

Complaint narrative:
I have filed a dispute with XXXX, XXXX  and Transunion in regards to incorrect items on my credit report. It has been well over the 30 days and I haven't received any investigation results. I have several items on my account the need to be removed due to inaccurate information. 
1. XXXX  - Late payment - never late 2. XXXX XXXX- Not my account 3. XXXX XXXX - Not my account 4. XXXX  XXXX  account- Not my account 5. XXXX XXXX XXXX XXXX Never late 6. XXXX account - Not my account

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 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/2021. Although they signed for my letter, I received no response stating how this information was verified. I then mailed a second verification letter, ( signed and received on XX/XX/21 ), asking them to prove to me how this was verified. I have yet to receive a response. I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. Again, I received no response from I have given well over the original 30 days to respond regarding my dispute " verification '' with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?

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 2021-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
I have been in contact with MyFedLoan regarding my loans and the TEPSLF program for over 8 months and nothing has been resolved. I have over 3 years of payments from a previous loan servicer ( XXXX XXXX ) that would qualify as a 'qualifying payment ' under the TEPLSF program, but MyFedLoans is not counting them because they are in a " pending manual review '' status. I have been requesting them to review these paymentss since XXXX and nothing has been done. I just keep getting the run-around from customer service. If they would just review these payment, I know I would qualify for loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLLIO RECOVERY IS TRYING TO COLLECT A DEBT THAT IS NOT MINE. i EXPLAIN TO THEM THAT IT WAS IDENTITY THEFT AND THEY REFUSE TO REMOVE THE COLLECION ACCOUNT OFF OF MY CREDIT REPORTS. I ASKED THEM TO PLEASE PROVIDE ME A SIGNATURE TO PROVE THIS IS MY ACCOUNT OR REMOVE IMMEDIATELY. 
XXXX XXXX XXXX ACCOUNT # XXXX TOTALLING {$860.00} XXXX XXXX ACCOUNT # XXXX TOTALLING {$1300.00} i HAVE SENT POLICE REPORT TO XXXX XXXX XXXX. I AM NOW SENDING IT TO PORT FOLLIO RECOVERY. 
PLEASE HELP ME WITH ASSISTING IN THIS MATTER AS I AM TRYING TO REFINANCE MY HOME. 

THANK YIOU XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NY

Complaint narrative:
I have filed a dispute with Experian and XXXX  in regards to incorrect items on my credit report for a Chapter XXXX and Chapter XXXX Bankruptcy. I submitted letter from bankruptcy court to credit bureaus indicating they do NOT verify information to credit bureaus. Its against the law and its a violation of invasion of Privacy Act. It has been well over the 45 days and I haven't received any investigation results. I have several items on my account that needs to be removed. 

Chapter XXXX - Bankruptcy Chapter XXXX - Bankruptcy

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 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A few months ago I received a notice from Wells Fargo indicating that my escrow account was deficient by some {$450.00} or so. After reviewing the escrow I determined that WF has renewed my homeowners insurance policy with a 49 % increase without notifying me. I went on line and secured a few quotes and bought a policy from XXXX and prepaid for the year. I notified WF and sent a copy of the binder. I received a call from one of their many contact points acknowledging receipt of the policy binder.

A week or so later I received a notice that my mortgage was overdue and then a number of letters from various departments and their " executive offices '' indicating that they would complete an analysis of my account and I would receive a written response by XX/XX/26 - yesterday. Today I received a phone call from their collection department and again, the person calling had either no or incomplete information on my account. I am at a loss as to how to prove to them that I am not in arrears, never have been and their incompetence and attempts to cover for their poor performance is stopping me from refinancing. 

I will upload documents and letters, not all of them because they are redundant and 2 inches deep, that clearly show each of my payments made on time. I wonder how many other escrow accounts they have irresponsibly handled and how many other people have been subject to their corporate papering to cover up their irresponsible escrow management.

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 2021-07-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Accounts appear on my report that I never opened or authorized. The accounts are : XXXX XXXX XXXX XX/XX/XXXX BBY/CBNA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/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 2021-07-27 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: C/C Financial
State: NY

Complaint narrative:
Accounts appear on my report that I never opened or authorized. The accounts are : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX PREF LEASE  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX! XXXX DOB - XX/XX/XXXX LAST XXXX SSN - XXXX FILE NUMBER XXXX PLEASE APPLY THESE LAWS TO MY ACCOUNTS : I AM WRITING TO ASK THAT YOU DELETE ALL UNAUTHORIZED INQUIRIES, DEROGATORY REMARKS, AND CLOSED ACCOUNTS, ALSO FRAUDULENT ITEMS THAT I HAVE FOUND IN MY CREDIT REPORT. I HAVE REACHED OUT TO ALL 3 CREDIT BUREAUS TO REPORT THESE ITEMS BUT HAVE YET RECEIVED ANY RESOLUTION. I AM AGAIN ASKING THE ITEMS LISTED BELOW TO PLEASE BE DELETED FROM MY FILE AS MANY OF THESE ITEMS ARE MISREPRESENTED ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS AND DEROGATORY REMARKS HAVE MADE IT HARD FOR ME TO LIVE A DECENT LIFE. 


DEAR SIRS/MAMS THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
On XX/XX/2021 I received an email from Net Credit informing me of a denial of credit for which I did not apply for. I have not, nor have I ever, applied for credit from this company, yet they have pulled my credit report with a hard inquiry without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: FL

Complaint narrative:
I missed a payment, it was over looked on my part. I have attached a goodwill letter and my bankstatement showing funds were avaivale to make the payment just due traveling for work I over loooked 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 explanation
Consumer complaint received 2021-07-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I missed a payment, it was over looked on my part. I have attached a goodwill letter and my bankstatement showing funds were avaivale to make the payment just due traveling for work I over loooked it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I missed a payment, it was over looked on my part. I have attached a goodwill letter and my bankstatement showing funds were avaivale to make the payment just due traveling for work I over loooked 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 explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc
State: CO

Complaint narrative:
I had a debt that I did not know about until I heard from the collection agency from a leftover ambulance payment when my XXXX XXXX XXXX XXXX. I paid the max deductible from my insurance company so I should not have had any lingering medical bills to pay for in the first place. The day I heard about this debt I called the agency to pay my debt. I specifically requested on the date of the call that if I could pay off the entire debt that it would be completely removed from my credit history. The original person from national service put me on hold to check with XXXX the manager to assure that the negative report to my credit would be removed. The company told me if I paid in full that it would be taken care of and have no penalty on my credit report ( XX/XX/XXXX ). I called the company back asking for them to give me a letter on their letterhead that my debt should be removed so I can work this with the bureaus and clean this up myself as they never did. They agreed on XX/XX/XXXX to give me this letter and they have not given me this letter back. This has caused my credit score to drop 120 points. Please request a copy of my recorded call from XX/XX/XXXX as proof of this interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I am resending my correspondence dated XX/XX/2021 since this company continues to call and leave voicemails even after sending a cease and desist. Attached please find debt validation request, cease and desist and invoice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Early in 2021 I converted a Citibank Black card with an annual fee of {$450.00} to a Citibank Platinum Card since I would not be using the access to the XXXX XXXX XXXX lounges due to the pandemic. After numerous phone calls I finally was told I would get a credit of {$450.00} and I received a written communication of this adjustment on XX/XX/2021. I was told it would take up to 2 billing cycles to take effect. I called after the XXXX billing cycle and was assured this correction would be made but was charged an interest and late payment fee that was reversed. I called again after my XXXX billing cycle ending on XX/XX/XXXX and again the late payment fee was reversed but not the interest charge. At this point access to my credit card was cut off and charges denied due to the account being overdue. In addition, a derogatory reference was placed on my credit report. I called again on XX/XX/XXXX and the fees were reversed but was told I still had to pay the past due balance which resulted from the {$450.00} charge and created a minimum payment amount of {$35.00}. On XX/XX/XXXX I called again and finally theoretically had the {$450.00} credit applied and fees adjusted but was told I had to make the minimum payments which now approached {$100.00} even though after the adjustment I had a credit balance of {$37.00}!!! Again, for the third cycle derogatory references were put on my credit report. I am looking for some sort of financial restitution for my time and the derogatory references that were put on my account. I have never had a late payment for over 30 years of credit history. I tried to get a hold of the Office of the President but nobody would give me a number. I sent an email to the CEO of Citibank, XXXX XXXX and also left her a voicemail on her cell phone. This was done at around XXXX on XX/XX/XXXX and I have not heard back to date. I want the consumer to be protected from Citibanks predatory practices. I am better at standing up for my rights than most people and am attempting to make things better. Without enforcement action and stiff penalties companies like Citibank will only make things right for those that pursue action and the general public will be taken advantage of.

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 monetary relief
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: PA

Complaint narrative:
have been disputing this account since XXXX, I've even filed a complaint with you on XX/XX/2021. Since I have disputed this account, they have flagrantly violated my rights, first they took longer than the law allows to respond to a dispute. Then they changed the balance of the account! These false statements and misrepresentations constitute complete deletion from my credit report! They are reporting a heavily disputed item, which violates the FCRA. They have violated the FDCPA by taking longer than 30 days to respond back in XXXX! Now they have violated both by changing the balance! This is the worst thing to ever happen to me! Please 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 2021-07-27 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: NY

Complaint narrative:
I have filed a dispute with XXXX and Transunion in regards to incorrect items on my credit report for a Chapter XXXX and Chapter XXXX Bankruptcy. I submitted letter from bankruptcy court to credit bureaus indicating they do NOT verify information to credit bureaus. Its against the law and its a violation of invasion of Privacy Act. It has been well over the 45 days and I haven't received any investigation results. I have several items on my account that needs to be removed. 

Chapter XXXX - Bankruptcy Chapter XXXX - Bankruptcy

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