vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 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: Capio Partners, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
On or about XX/XX/2020 I noticed unauthorized transactions on my account after my account went into negative status. I contacted the bank to file a complaint and dispute the transactions done thru XXXX XXXX on my account. This totaled {$8500.00}. I never authorized anyone access to my account. I did receive a link to my phone that stated it was XXXX XXXX. I never filled out anything with that link. Navy Federal is indicating based on me sharing with them that I received a link, the number of times I logged into my account and based on how a rep noted my account my {$8500.00} that was stolen out of my account is pretty much my loss. After filing this claim my debt card use was blocked THAT IS UNACCEPTABLE.. I spoke with a VERY RUDE XXXX agent a guy from the card fraud dept around XXXX and XXXX who noted a lie on my account. This has caused me to be at a loss of {$8500.00}. I do not remember the guy name, but he was in the card fraud services dept. I would like my debit cards unblocked and my funds back in my account. someone stole my funds using XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Harris & Harris, Ltd.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I noticed six pending transactions, each the amount of XXXX dollars and XXXX cents in my chase mobile app after I got off of work, all from the merchant XXXX XXXX. I tried to dispute it in the mobile application but it would not allow me to while it was still pending. I immediately locked my credit card and reached out to chase to report the incident and request a new card. 
On XXXX XXXX I received an update letter in Chases mobile app titled Update : we completed our review of unauthorized transaction ( s ) on your account that stated, We removed the above transaction ( s ) from your current account and have issued credit ( s ) for any related interest charges and fees. The previously issued credit ( s ) are now permanent. 
The following day I received a phone call that stated the Fraud Department had changed their mind because I have used my credit card at that location before and therefore it is valid because the merchant already had my card information and told me to contact XXXX to get it resolved. Following that phone call the charges were reposted to my account. I called back to express that I moved in XXXX and no longer live near that store and that I was working when the charges were posted, they offered to review it again. I even emailed my work schedule to XXXX prove that I wasnt anywhere near the store when the purchase ( s ) happened. 
On XX/XX/XXXX I received another letter in the mobile application titled Update : We reviewed your fraud claim again ; heres what we found. Where Chase banks new resolution was that the charges were valid. No reason was listed in the letter. 
On XX/XX/XXXX I spoke to a store employee and they gave me the phone number of XXXX customer relations. I called and they said that XXXX can not do anything to prove fraud and I would have to contact the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15 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: ERC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I call XXXX A call excuse for not attending my lone I request YEAR RND STATE MENT for this lone said : will be sended to fax numbers I dont have fax number Never response XXXX extension XXXX home preservation client representative XXXX XXXX XXXX I paid off I need my the year end statements for tax purposes Never response

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 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In or around late XX/XX/2020, I received a bill from the XXXX of XXXX XXXX for ambulance services allegedly performed on XX/XX/2020. I had not been to XXXX in XXXX XXXX or at any time since at least XX/XX/2020 XXXX, and I have never used the XXXX  of XXXX XXXX 's services. I informed the XXXX of XXXX XXXX that the debt was not mine, and someone confirmed via email that it would be updated and removed. Since then, I have received a notices from Municipal Services Bureau that I owe the debt. I have contacted the Municipal Services Bureau and was informed that my date of birth did not match the date of birth on the account and that the account would be updated. Nonetheless, I then received another bill a few days ago from Municipal Services Bureau. I have contacted them in writing to dispute the debt. I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I called to make my final payment to ALLY Financial in at the end of XXXX and as of today XX/XX/2021 they still haven't updated my credit report as paid in full. I've made several calls to ALLY and I think this is an issue as it is not reflecting correctly on my credit reports therefore affecting my credit rating.

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 2021-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: CT

Complaint narrative:
My problem is with a company called ECMC ( Education Credit Management Corporation ) their address is XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX. Their phone number is ( XXXX ) XXXX. This company is harassing me they sent my past employer a wage garnishment on XX/XX/XXXX trying to garnish {$6000.00} of federal student loans without a court order and also sent me a statement on XXXX XXXX stating I owe two student federal loans from service lender provider XXXX XXXX XXXX in the amounts of {$3300.00} and {$3000.00}. Ive contacted XXXX on XX/XX/XXXX they said these loans were cancelled and show a XXXX balance. I also requested a statement from XXXX to prove that these loans were cancelled and I do not owe this debt.I contacted Dept of Education several times from XXXX, XXXX and XXXX and explained the story to them which they did not help me at all but they are aware of the situation. ECMC is ILLEGALLY reporting these balances to the XXXX credit agency even after I disputed these transactions twice which I have proof as I kept the dispute reports. At this point this company is taking old student loans that were cancelled or paid off and trying to extort money from people. I've done research on my own and they have been sued several times and there are several complaints filed, websites are XXXX and XXXX. These loans are currently with XXXX XXXX XXXX which I called them today XXXX XXXX explaining everything. At this point I'm not sure what I can do but action needs to be taken. I have a whole file of paperwork from ECMC and XXXX to prove my case. This is a CRIME that needs to be handled innocent people are getting ripped off and the government is doing nothing about.

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 2021-03-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2021, I mailed a dispute with XXXX and Experian to verify and there was inaccurate account information on my credit report. Both agency have fill to comply with the laws set in place when it come to updating me on the investigation. It have been will over 30 days.

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 2021-03-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
went to dealer to buy a car they contacted banks to get loans with out telling us and it lower 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 non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX Transfer Confirmation # XXXX from Bank of America checking account on XX/XX/2021 in the amount of {$3000.00} to XXXXXXXX XXXX checking account. 

On XXXX XXXX, 2021, email communication to President and CEO of Bank of America to seek help for the reimbursement of {$3000.00} which we never received the reimbursement to date.

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 2021-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is in regard to collection listed XXXX XXXX XXXX for {$230.00} on XX/XX/XXXX Transunion. First time appearing on my credit report. 

XXXX XXXX membership and access to the fitness club were closed during Covid. I was paying mo! monthly membership but could not access the club. I contacted XXXX XXXX several times to cancel my membership and it was not processed. Gyms have been closed for about 9 months and now they are opened with one having to wear a mask during a workout. 

I called 2 times to this collection agency ( first on XXXX and then on XX/XX/XXXX ) to ask them to call me regarding that I cancel the membership and it was not processed. No one called me back. Called today and left a message. I also called XXXX XXXX today XX/XX/XXXX and they said they noted that my membership was not processed. The gym was closed and for a while, I was still paying for a service that I was not able to access. XXXX XXXX should reimburse me. I am requesting that this collection amount be taken off of 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 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I received my statement dated XX/XX/21 and my payment was XXXX higher than any other month. Nothing has changed about my mortgage. I called customer service and have been hung up on several times and been on the phone for over 5 hours with bank of America and placed on hold, no one can explain to me why my payment is higher.

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 2021-03-15 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: MD

Complaint narrative:
I just received a letter in the mail from XXXX XXXX XXXX XXXX advising that they are reporting accurate information on my credit report. But according to their letter and the information on my file clearly shows the violation of FDCPA and FCRA law. Please see attachment. 

XXXX XXXX XXXX XXXX is reporting the date of last payment on XX/XX/2016 which is false information and is adding another year to being reported on my account. This date is when the car was bought at an auction which is no longer my responsibility.

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 2021-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Minto Financial dba Minto Money
State: WA

Complaint narrative:
I applied for a short term loan online. It redirected me to a loan website and said I would be contacted shortly by a representative. The number that called me was XXXX. At first they seemed like a legit business and I was in the process of giving them some of my information. Then I started receiving picture messages from the number calling me a XXXX as well as other offensive language. That's when I realized that this was clearly a scam and this number needed to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I was sold a solar system by XXXX XXXX XXXX XXXX company financed by Loanpal for {$48000.00} account # XXXX by using deceptive and fraudulent sales practices. I was told by LoanPal and XXXX XXXX XXXX company that I would be issued a rebate in excess of {$10000.00} which I would need to pay to Loanpal to keep my loan payment low. It has come to light that Loanpal and XXXX XXXX XXXX were deceptive in their representation that I would receive almost {$13000.00} in cash from rebates on my Taxes that I could use to pay Loanpal to reduce the loan balance. These conversations occurred on recorded phone lines and there is ample proof of fraud, deception, and misleading information about the sale/financing of the solar system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
CitiBank Recovery, on behalf of Department Stores National Bank, has not contacted me after re-assuming control of a closed account that had previously been referred to a third-party debt collection agency. Since over 90 days has passed without contact, written or phone, from CitiRecovery, I am requesting that the debt be cancelled and any negative information to my credit report be retracted.

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 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
The first week of XXXX, I went to my bank, Citizens Bank to get my account number to file my 2020 income tax returns. On that day, an employee of the Bank, a teller had me at his window and asked that I swiped my Debit card. After that he suggested to dictate the number to me which I refused. I asked him to give me a print out instead. He gave me the print out with my name on top then an account number and the Bank routing number. The next day I went to my accountant to have my return e-filed and directly deposited my refund. Few weeks later my refund never reached my account. I called the accountant who told me that my refund was deposited into my account few weeks ago. I checked my account again with no success. The accountant had suggested that I return to the Bank. I went to Citizens Bank located at XXXX XXXX XXXX, XXXX MA to enquire about this. I spoke to an employee who told me that the account number that was given to me belongs to a bank employee. My refund ended being deposited into the following account XXXX and routing number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called to make my final payment to XXXX XXXX in at the end of XXXX and as of today XX/XX/2021 they still haven't updated my credit report as paid in full. I've made several calls to XXXX and I think this is an issue as it is not reflecting correctly on my credit reports therefore affecting my credit rating.

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 2021-03-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is reporting a child support account with AL Dept of Human Resources on my credit report as 120 days past due when the account has been paid since XX/XX/2020. The comments even show that the account is PAID. However, the account status is STILL reporting as 120 days late. I have disputed this account as inaccurate and pointed out why multiple times. The account is still reporting the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: The Receivable Management Services LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing this letter to request an investigation on my account inquiry that Wells Fargo authorized for disbursement to Legal Recovery Off-set on XX/XX/2021. On this date, without my authorization or notice, Wells Fargo on its own allowed the withdrawal of {$7900.00} from my account ending in XXXX. I did not recognize the account or its connection to me. The money that your bank authorized for withdrawal was money from my unemployment claims and at these difficult times and pandemic, I use that money for survival and necessity. 
After the intense research, it comes to my surprise that this withdrawal was associated with a Judgment from the lawsuit XXXX. When I learnt of the withdrawal, I was instructed to call the Sherriff department where they usually withheld the money before disbursement. However, the Sherriff informed me that they did not know of this judgment or lawsuit. Your bank had authorized an unlawful transaction without notice or go through a proper verification. 
I want to formally dispute the lawsuit XXXX with the balance of {$15000.00}. I was and am a victim of identity theft because someone illegally used my personal information to open a loan or credit card in the stated lawsuit. Further, I have never received any form of communication regarding this fraud account. I just figured out this serious matter after your bank authorized the withdrawal associated with a Money Judgment from the Court of XXXX XXXX County ( Case number XXXX ). I was never served or received summons to go to the court and defense myself on this case.

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