vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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: CA

Complaint narrative:
XXXX Bank had a representative from the XXXX DEPARTMENT contact me. She called from the number, ( XXXX ) XXXX. She asked me to verify my identity, I gave her the last 4 of my social and address I have lived at for the past 20 years. She responded by saying, that is not the address I have for these accounts. I then told her she probably has the fraudulent address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. She stated, correct. I explained that she had a fraudulent address that was outlined in my police report and FTC report. She then told me that the XXXX XXXX address was mine and a valid HOME address. I told the lady she was incorrect. I said I had gone to the actual address to see what it was and it was a store called The Mail 's Inn, filled with nothing but po box es. She told me that was incorrect and the XXXX Bank accounts with my name were valid. I then explained to the woman from XXXX Bank 's XXXX DEPARTMENT that it was impossible for me to have opened and used said XXXX Bank accounts, as my personal information had been compromised for over XXXX years and there were several accounts and loans opened in my name that were fraudulent. I asked her to produce information that shows ME, the person working in the XXXX, as the same person in the XXXX using these accounts. She could not provide any proof. She then said she didn't know I worked in Entertainment in the XXXX. I asked her to not contact me again and to remove my name from these XXXX Bank accounts because of identity theft and fraud. It escalated into a screaming match where I hung up the phone. I ask for your help to have XXXX Bank remove my name from these fraudulent accounts and NEVER contact me or make idle threats towards me again.

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 2022-03-15 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: Westlake Services, LLC
State: FL

Complaint narrative:
Multiple inquiries have been reported without my consent

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 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank are a bunch of crooks! They stole approximately XXXX $ rollers and will not return it. They said there was fraud on my account. There was bo fraud. They said they would return my money in 60 days but these poss have not returned a XXXX of my hard earned money. I got a direct deposit from my job so how the XXXX can you XXXX not see I am the rightful owner of that money. I hope your bank goes out of business you low down 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 2022-03-15 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:
Ive been disputed a few credit card accounts that was fraudulently opened a few companies in my name i was a victim of identity theft Ive had a fraud alert in place on my credit file ever sense i sent letters back in XX/XX/2022 disputing the following accounts XXXX  ACCT # XXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX  XXXX Bank # XXXX Ive disputed these items over and over with credit reporting agencies Transunion, XXXX and XXXX stating these was fraudulent accounts they never investigated just kept saying it was accurate

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 2022-03-15 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams, Rush & Associates, LLC
State: GA

Complaint narrative:
Around XX/XX/XXXX and XX/XX/XXXX Williams Rush & Associates LLC, contacted my mother whom resides in a different state than me, discussing information for a debt they claim that I owe them. My mother passed the message onto me right away after they told her they would revoke my XXXX XXXX license. I reached out to them via telephone as soon as I got the message. After, receiving nothing but demands, threats, and unprofessionalism I ended the phone call in told them I would prefer to communicate via mail correspondence. 
Since XX/XX/XXXX up until XX/XX/XXXX I have been sending certified mail correspondence requesting more information seems to they had already put a {$3000.00} debt collection on my credit report. For months they failed to reply to my letters within a timely manner up until today XX/XX/XXXX in which they still failed to provide me the information requested. Instead, they sent me only a contract from they original creditor whom I no longer hold a contract with or owe any monies. It has been well over 120 days I have been patient with them in they failed to comply by any of your federal laws. This is an act of Defamation, a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), and a Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have files several disputes with the XXXX credit bureaus asking for them to investigate and correct several accounts that appear on my credit report. I have received several responses that the reporter has verified the information as accurate, I have never received anything from this creditor after several attempts. They have not verified the account nor provided any documentation that what they are reporting is correct. This is detrimental to my credit and has damaged my access to credit and reasonable rates for several years now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: MD

Complaint narrative:
I recently reviewed my credit report and have noticed some items that I did not authorize. I have done some research and have supplied you with all the documents necessary to have these accounts and inquiries removed from my consumer report. Please view the attachments and investigate these accounts thoroughly.

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 2022-03-15 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: MD

Complaint narrative:
I recently reviewed my credit report and have noticed some items that I did not authorize. I have done some research and have supplied you with all the documents necessary to have these accounts and inquiries removed from my consumer report. Please view the attachments and investigate these accounts thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: KY

Complaint narrative:
I reached out to trans union, XXXX and XXXX by mail for a dispute on XX/XX/XXXX regarding inaccurate information on my credit report that was report by XXXX XXXX XXXX I advise them that I was not responsible or liable for any charges presented on my I was told that the apartment was moving ready up on my arrival I walked into a partially clean property theres trash and breeze in every room the walls werent even painted there were cobwebs in the XXXX XXXX unit did not work at all there was a huge issue for me and my children myself the humidity and heat was triggering XXXX symptoms for my children I sent communication several times to the company and they did not respond they left me no choice but to find another place add this went on for three weeks off I reached out to the landlord numerous times so I decided it was time for us to move we was only there for three weeks but did not have any air and it was over XXXX in the house I even advised her that I was not going to get the electricity switched over until they had it fixed the walls were never done painting and this is how it looked the day that I moved in I have sent Trans Union pictures I sent them the day that I signed my new lease and the invoice that was sent to me the information thats been reported is an inaccurate she said I moved out XX/XX/XXXX my new lease shows XX/XX/XXXX A receipt was sent to me for {$2800.00} the information from the debt collector had a different amount on there which was {$2900.00} She charged me the damages to a wall that wasnt even painted and I sent all of this proof over to Trans Union and Trans Union sent me a letter and XX/XX/XXXX stating that the information was valid so I called Trans union XX/XX/XXXX and ask them how is the information valid when I sent over proof why is it not delete it off my credit report and the guy from Trans Union told me that it dont matter what documents that I sent in if the debt collection agency states the debt is valid then its gon na stay on account until they remove it and I kept asking him how because all information have to be reported accurate and I was told sorry maam theres nothing that we can do unless the debt collector remove 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 2022-03-15 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I at no time whatsoever authorized the XX/XX/XXXX XXXX inquiry. When I contacted XXXX XXXX XXXX  services to obtain a reference number for the inquiry, I was told there was none for the date of XX/XX/XXXX because no further inquiries had been submitted after XXXX of this year 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 2022-03-15 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: MD

Complaint narrative:
I recently reviewed my credit report and have noticed some items that I did not authorize. I have done some research and have supplied you with all the documents necessary to have these accounts and inquiries removed from my consumer report. Please view the attachments and investigate these accounts thoroughly.

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 2022-03-15 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: AL

Complaint narrative:
I filed a complaint a few weeks ago and the companies are responding to me stalling and not understanding what my letters are stating. I will attach all letters that were sent to me and the returned letters from the credit companies. I need to have this false information off of my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I'm XXXX XXXX, XXXX, ( XXXX ) XXXX. XX/XX/22 I called Merrill Lynch to close my XXXX of {$35000.00}. I need it for another investment, so I closed it early. This was the sole reason for closing it, and I paid Capital gains tax of 20 % plus I will need to pay the penalty, which I expected. So on XX/XX/22 all was good, the agent informed me I would receive the check in 5 to 10 days. No check came. XX/XX/22 I called and spoke with XXXX XXXX, he informed me the first agent gave me wrong information. It should be 7 to 14 days. I said ok, then still the check should be here, he agreed. He informed me I can wait for the first check or they can stop payment the cut a new check, Taking at minimum another week. As I stated I needed my money for another investment, I negotiated the new endeavor according the the time frame these agents gave me. No check. I called XX/XX/22 spoke with XXXX XXXX ( quite rude, but doesn't matter ) He gave me the same options. I explained I will lose the new investment if I don't get it. Nothing so I asked for a supervisor, XXXX XXXX refused to give her last name ) she asked to wait a few more day. I agreed if she would call me on XX/XX/22. She agreed. No phone call, no check, will lose investment already put down, pay taxes and penalty because they gave false 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 explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I found out midway through the loan that it was interest only. After paying 4 years in and still not having any amounts reduce the financed amount. I was told and encouraged to go through the company 's rewrite service which would reduce monthly amount. I was told I needed to pay up 25 payments in order to qualify. Which I did in XXXX. I was supposed to have entered the rewrite process but it did not happen. At the time I was told bc I wasn't current. So I paid the bill current in a lump sum amount and again for the 2nd time in XXXX, the rewrite did not happen. The reason, bc the request was never put in and another bill had become due. At this juncture, I began falling behind again. My most recent request, XX/XX/XXXX, I was able to save up and pay another lump sum ( {$1700.00} ). Was told the process would take 14 days. When I went in to pay my XXXX bill, the rewrite again did not happen. This time stating I failed to call back and request. Each time I make the lump sum, I have confirmed the request for rewrite. Which is the reason I have paid the lump sum. I called back to confirm my payment but again, the company has failed to process and charged fees, to which will cause me to fall behind again. It is starting to appear fraudulent. The many requests for extra money, piling on of fees, and failures to process requests as discussed. They have managed to gauge over {$30000.00} for a car with barely {$19000.00}. And we still owe {$13000.00}. They are a complete fraud!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am not an attorney nor am I a third party I am filing this complaint on my own behalf because it is my legal right to do so. I have an unverified from XXXX XXXX XXXX # XXXX this is the second time I have requested legal documentation or any type of proof of owership. I did not receive any response back. Please delete the following unknown addresses they don not belong to me : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX PL XXXX XXXX XXXX VA, XXXX XXXX XXXX CT XXXX OH, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am not an attorney nor am I a third party I am filing this complaint on my own behalf because it is my legal right to do so. I have an unverified from XXXX XXXX XXXX # XXXX this is the second time I have requested legal documentation or any type of proof of owership. I did not receive any response back. Please delete the following unknown addresses they don not belong to me : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX PL XXXX XXXX XXXX VA, XXXX XXXX XXXX CT XXXX OH, 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 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage company is going to charge me for last years homeowners insurance. When going to renew homeowners insurance for this coming year, the mortgage company found that renewal was not an option. Renewal was not an option because I have not been insured for the last year. This lapse in insurance occurred due to escrow paying my homeowners insurance company 13 business days late. I have an email showing that escrow paid the homeowners insurance. On that email it says the date that next years payment will be made, which is the due date of the homeowners insurance. To me this reflects that they new when the insurance was due and that they were late. I have no notice to show I was canceled by my homeowners insurance. My escrow account shows the cost of the insurance deducted in XXXX and then in XXXX there is a deposit into the escrow account for the identical amount... the reimbursement. A year later, we are both realizing that I have been uninsured. Thankfully nothing happened. And now, my mortgage company is going to charge me for insurance to cover last year. How do I proceed in stopping this charge from occuring?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 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 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 XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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 2022-03-15 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/2021 {$600.00} was charged from a doctor that fraudulently charged my card. He promised to issue a refund but never did. I disputed this charge 5 times with TD bank and they denied it due to telling me to contact the doctor directly. I tried that XXXX times with no response. Found out XXXX was arrested and in jail for this same reason. TD bank still wouldnt help me. Again they stated I need to contact the XXXX. 
They refused to help me several times. 
I just want my refund!

Company response to consumer: Closed with explanation