vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-02 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: Bay Shore Finance, Inc.
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " XXXX XXXX' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I received a call from someone claiming to be XXXX and they said my meter had to be replaced. I must have given enough information for them to hack into my bank account and they changed my password, added 2 phone numbers to my XXXX transfer service. {$240.00} was transferred via XXXX to a phone number then {$490.00} was transferred to another phone number. Once they saw this {$490.00} could go through, they cancelled the {$240.00} transfer then went ahead and transferred {$500.00} to a XXXX account. I am XXXX and retired so my daughter helps keep track of my accounts. She saw emails for everything happening and told me to go to the bank and informed me that none of this is real. I bank with Wells Fargo and I just got my Retirement check today, which is my only income. They would not let me have the rest of my paycheck in cash, they said they have to freeze and close the account and open a new account. They said I would not have access to the new account for 10 days and I may not get any of the money back. I thought my bank was supposed to help me recover from fraud. The least they could have done was let me have my last few XXXX dollars before freezing the account so we could eat this month. 

I've been with Wells Fargo my whole life and even took out a large mortgage with them. Twice along the way, they claimed I did not make my mortgage payment when I actually did, threatened to take my house away then charged me an extra payment anyways. 

And now I'm left with nothing after someone else chose to be a criminal?? 

I'm filing this with the State Attorney General as well.

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 2021-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have called several times to be removed as an authorized user and update my credit. Citi bank continues to do nothing. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02 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: TX

Complaint narrative:
Credit Reporting Agencies reporting inaccurate information to credit report affecting The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

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 2021-10-02 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: OH

Complaint narrative:
XXXX, Equifax and XXXX refuses to remove inaccurate reporting information on my credit report. I submitted proof of conflicting information that was stated to be verified by XXXX, XXXX and Equifax. XXXX stated they will not remove information based on what is presented from other agencies. All agencies stated verified information from original account holder. The most recent example is from XXXX XXXX XXXX. All XXXX agency 's stated account was verified, XXXX After contacting the original creditor and presented a letter to Contract Callers, XXXX, XXXX and Equifax advising of accounting error. On XX/XX/2021 XXXX XXXX that original account holder that sold to Contract Callers confirmed at XXXX the balance was incorrect, payments were not applied to account correctly and account should not have been sent to collections. No good faith investigation to verify inaccurate information was conducted on the first or second attempt by XXXX, XXXX or Experian or XXXX XXXX XXXX. I have sent all three agencies a merged XXXX agency report showing factual discrepancies in their investigation and reporting but all came back information verified, which is not possible. I have since filed a small claims lawsuit against XXXX, Equifax and XXXX in small claims court in XXXX, Ohio for damages and removal of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX 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 2021-10-02 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: STERLING JEWELERS, INC.
State: IL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I have been a victim of identity theft which occurred in XX/XX/2019. As it was happening I began monitoring the fraudulent credit inquiries. The next month the perpetrator purchase two vehicles under my identity, using a counterfeited State drivers license. As the months with my I was confused about what to do, I contacted the FTC and the three credit bureaus. I discovered that since the investigation was still ongoing I could not get a accurate police report. I spoke to the dealerships and I was told that the fastest way to expedite this problem was to get a police report. After I was able to get a police report I was not able to get in contact with the credit companies, I have reached out and I have left messages, I have personally went to dealerships. Ive been promised to be called back but still shrugged off. I have sent disputes to the three credit bureaus with detailed reports and all of the corresponding information. My delinquent accounts still will not be taken off my credit summary. I am sinking further into debt. I just want this to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: SYNCHRONY FINANCIAL
State: IL

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 2021-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: SC

Complaint narrative:
Nationwide Recovery is trying to collect a medical debt i have no knowledge of. They are reporting this debt to the collection agencies falsely without any type of validation. This is a violation under the FDOPA. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. 

XXXX, XXXX, and XXXX are saying the account is verified without stating how this account was verified. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that its removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On Thursday, XX/XX/XXXX, I attempted to call the central number XXXX provided on the US Government website and gain copies of my credit report. Sadly, the phone system was automated with no means to communicate with a live person. The automated system was partially driven by key pad responses and that is impossible if the caller ( me ) does not have a touch tone telephone. I appreciate the opportunity to receive a copy of my report and appreciate the fact that it is free. What I find very frustrating is that the system is very inflexible in allowing those of us with older telephone sets from placing a request for the report. I wish that the service did offer a method where a caller could visit with a live representative.

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 2021-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV

Complaint narrative:
Starting from around the year XXXX til this day our lender XXXX XXXX which is now using Rushmore Loan Management Services has made our lives a living hell. The amount of fear, anxiety, worrying, sleepless nights, suffering, countless day and nights of crying, begging for help to save our home was/is beyond XXXX XXXX and extremely XXXX -All the threatening calls that were made to us all hours of night, If we didnt pay what scary consequences we would face, How they would garnish our social security benefits money, to strangers driving by our house daily-taking pictures, and even trespassing on our property freely and fearlessly to which eventually took a major major toll on us mentally, emotionally, and physically. So two years after my initial request and plea for help from XXXX XXXX and no luck nor care from them we couldnt take anymore pain and suffering and debt that added up. We decided for our health and sanity to file a bankruptcy.I think within 24 hours or so if Im not mistaking of filing and XXXX XXXX  finding out all of the sudden we received a phone call from them telling us what great news they had for us, they would not foreclose, Give us the dream modification, our interest rate would be 2 % but most importantly let us keep the house ONLY if we agreed to not include them in the bankruptcy. After hearing that and believing and trusting what they claimed to be the dream modification assuming a license professional knows what they are talking about we immediately agreed because we love our home and we got lucky.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have been a victim of identity theft which occurred in XX/XX/2019. As it was happening I began monitoring the fraudulent credit inquiries. The next month the perpetrator purchase two vehicles under my identity, using a counterfeited State drivers license. As the months with my I was confused about what to do, I contacted the FTC and the three credit bureaus. I discovered that since the investigation was still ongoing I could not get a accurate police report. I spoke to the dealerships and I was told that the fastest way to expedite this problem was to get a police report. After I was able to get a police report I was not able to get in contact with the credit companies, I have reached out and I have left messages, I have personally went to dealerships. Ive been promised to be called back but still shrugged off. I have sent disputes to the three credit bureaus with detailed reports and all of the corresponding information. My delinquent accounts still will not be taken off my credit summary. I am sinking further into debt. I just want this to end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 ) This is an unauthorized account popping up on my credit report. This account was opened without my consent or knowledge I would like to have it removed immediately. This has caused a stagnation for me and my financial goals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to DEPT OF ED/NAVIENT. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Celsius US Holding LLC

Complaint narrative:
My account and that of my entire family was frozen, we applied to support. Over and over again We didnt receive a response, just automated emails stating that they would contact you within 24 hours or 48 hours. Its been over 60 days!! 

This is a shame, a company of this level of the digital and computer age, with so much technology and credibility, can not provide support to its customers. They simply lock the account, suspend and freeze your funds. And without any satisfaction! No return, no solution This is bad and embarrassing, feeling of helplessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: SC

Complaint narrative:
Experian, XXXX, and XXXX ARE IN Violation of FCRA 15 U.S.C 1681a ( 3 ) RESTRICTION ON SHARING OF MEDICAL INFORMATION. The are reporting two collection accounts on my consumer report that is totally inaccurate from XXXX XXXX XXXX. Under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party.saying the account is verified without stating how this account was verified. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY.

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 2021-10-02 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: SC

Complaint narrative:
XXXX, Equifax, and XXXX ARE IN Violation of FCRA 15 U.S.C 1681a ( 3 ) RESTRICTION ON SHARING OF MEDICAL INFORMATION. The are reporting two collection accounts on my consumer report that is totally inaccurate from XXXX XXXX XXXX. Under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party.saying the account is verified without stating how this account was verified. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: PA

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places. Please review the attached FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: LA

Complaint narrative:
I am trying to cooperate and solve this issue with my account being on hold I have attached a copy of a notarize affidavit of truth I've mailed off certified to PNC XXXX  investigator XXXX XXXX showing proof of my identity and clarifying and clearing up what happened to lift the hold on my account and will like to continue communication in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: TX

Complaint narrative:
Credit Reporting Agencies reporting inaccurate information to credit report affecting The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Company response to consumer: Closed with explanation