vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA

Complaint narrative:
I have been disputing an account with Prestige Financial, XXXX and XXXX for over 4 years now. I was a victim of Identity theft where I've provided a police and identity theft report several times. Everytime the account come back vertified and accurate, which is expect with me being a victim of identity theft. I have ask all companies to take extra steps to resolve this issue for me and i am doing the same to the point i want to hire an attorney and sue. I've called and spoke with Prestige rep by the name of XXXX XXXX where a document was provided with a signature that wasn't mines. I was also informed of the fraudulent activity on the actual account. So the account was open in my name and they used other people account numbers to pay the payment each month. As i explained to the rep if that wasn't enough red flags of fraud what more would be needed. I am making this complaint today with hope of you guys being able to help me get this issue resolved and delete and blocked from my credit report. I have exhausted all options and help this complaint is my last path before having to pay a lawyer to become involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: GA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-28 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: GA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY

Complaint narrative:
After losing all income and COVID making it difficult to find work for 6 months! Vanderbilt mortgage did not offer any assistance. Struggling to make payments we managed to keep the payments paid and only fell behind 2 months of payments and a small portion of another. When calling to pay over {$800.00} once our jobs started and agreed that the account would be up to date by XXXX I received extremely rude service from not XXXX but XXXX people including a supervisor. Ive explained multiple times our situation and that we were doing everything possible to bring the account up to date. They harassed and humiliated me over {$30.00}. I have kept contact with them once a week and kept them updated of our situation our account is only behind XXXX payment now. There is no reason they should bring a client to tears over {$30.00} after seeing the notes of our situation and me being more than willing to work with them and be polite and understanding. The disrespect from this company outrages me.

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an email from Citibank saying that my account ( s ) will be closed on XX/XX/2021. I tried to reach out to my personal Citi banker and the Citi fraud prevention department many times via phone. They told me that the two wire transfers on XX/XX/XXXX and XX/XX/XXXX with total amount $ XXXX seemed fraudulent. They could not verify the money belongs to me and they will send the money to unemployment department. I have all of wire transfer records, bank statements and tax documents that can prove that the two wire transfers were from my own XXXX checking account and the sources of the money are fraudless. Citibank didn't verify any information with me and would not return the money to me. 

Citibank said they were trying to reach out to me to verify the account. However, I haven't receive any email or text regarding this issue. The only email I received is the one saying that they are going to close my account. I was traveling aboard due to a family emergency so that I might not receive phone calls, but I checked my messages and emails regularly. Why there was not a single message or email related to my issue? 

When I reached out to Citibank to provide more information, Citibank refused to verify any information and decided to send the money to unemployment department. That is not fair to me at all. The money belongs to me and I have right to get it back. My personal property should be protected.

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 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2021-12-28 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: DE

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2021-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
as of XX/XX/XXXX I was giving a new payment XXXX which I paid for a whole year no lates XXXX 4.5 % XXXX XXXX XX/XX/XXXX I applied for a forbearance plan due to the covid-19 0utbreak which they canceled and gave me modification of a XXXX which changed XXXX 3.25 % which is no savings at all, how does the payment go up from XXXX XXXX, after I proved to PennyMac i'm exempt of realestate tax and when I purchased this without my real estate exemption my payment was XXXX .And another thing on XXXX XXXX I decided to get me so new homeowners and auto insurance with statefarm and pay the premiums directly they wont change the payment on the loan which in fact im paying my own home policy presently I been trying to get my money back or get a new loan from someone else I believe the have been sabotaging my credit and has cause all my money problems I need to get aways from this company .Please help they are the worst mortgage company I ever delt with they constantly change your payment and charge us a late fees making it so bad you have to refinance for any relief... ..then hold up your process time so you cant refinance out from them ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: VA

Complaint narrative:
I disputed late payments on my Experian, XXXX and XXXX credit report and provided proof that the original creditors were contacted, and the late payments remain. Experian, XXXX and XXXX are in clear violation of my rights as a consumer. I sent over a letter received from XXXX on XX/XX/2021 advising that all late payments should be removed and as of today XX/XX/2021, they remain. I sent over a letter sent to me from XXXX / XXXX stating to discharge and remove any late payments and as of today XX/XX/2021, they remain. The below listed accounts have not been resolved and late payments still remain : Account Name : XXXX Late Payments : XX/XX/2021 and XX/XX/2021 Account Name : XXXX Late Payment : XX/XX/2021 Account Name XXXX XXXX XXXX Account Number : XXXX Late Payment : XX/XX/2021 Account Name : XXXX XXXXXXXX Account Number : XXXX Late Payment : XX/XX/2021 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 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: UT

Complaint narrative:
I switched from XXXX XXXX XXXX to XXXX in XX/XX/XXXX. I was contacted by a collector from XXXX XXXX XXXX XXXX in XX/XX/XXXX that I had an outstanding balance of {$1200.00}, I informed them I was disputing the debt and then contacted XXXX XXXX XXXX directly. I spoke with an XXXX XXXX XXXX agent and we worked through the charges and identified some major discrepancies in the charges. I was told they would look into the charges and escalate. I received no communication until I was contacted on XX/XX/XXXX by Sequium XXXX informing me that I still had an account with XXXX XXXX XXXX that had a balance now of {$1700.00}. I informed the agent that was disputing the debt and would be contacting XXXX XXXX XXXX directly. I asked that they send me an official letter since I wanted to make sure it wasnt a scam. I received the letter on XX/XX/XXXX and was dated XX/XX/XXXX. On XX/XX/XXXX, I was informed by the credit bureaus that I was reported as having a collection account with Sequium. I am disputing the debt and it is my understanding under my rights as a consumer to dispute and have 30 days to do such before they report anything and negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo opened a fraudulent checking account in my name. Wells Fargo has confirmed this was opened, but will not confirm if the account has been closed. I have provided them emails showing where the account was opened online at XXXX am and how the person then tried to change the email on the account to a different email address. I just want them to close the account and not waste anymore of my time with fraud occurring in my name.

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 2021-12-28 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I started a dispute with Experian back in 2020 ( presently still sending the letters ) about my personal information needing to be updated and carry only my correct address, correct name and correct date of birth. Also, about several accounts that have been reporting inaccurately which XXXX and XXXX have seen the errors and immediately deleted the accounts. Which I find it weird for two credit bureaus to be able to remove the accounts for inaccuracies but Experian claims to verified them. How is Experian verifying them when the other two credit bureaus couldn't?. 

As of today, nothing has changed and its frustrating. I've written multiple letters ( in matter of fact every month ). I am in the process of trying to buy a house with my kids but Experian needs to update/correct/or removed the accounts. 

I currently reside in XXXX and they still have XXXX old addresses from XXXX, XXXX 

There is a XXXXXXXX XXXX  account, The Bureaus account, XXXX XXXX XXXX, XXXX XXXX. I did my research and there were inaccuracies which XXXX and XXXX agreed with since they removed the accounts. Experian have not even bother with it. Then to top it off, I send them letters every month and I get a response every other month or every 3 months. 

I just personally would like for them to review my report accordingly as XXXX XXXX and XXXX has done, How can XXXX credit bureaus agree on what was sent and did their part and Experian keeps saying its verified. Impossible!!! Wouldn't the other two have verified it too!!?

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Monday XX/XX/2021 at XXXX ( EST ), I received two emails from Capital One bank confirming opening of both a checking account and a savings account. Both accounts were opened fraudulently. 

Capital One Bank ( and XXXX - read below ) allowed both accounts to be opened even though I have identity theft flags on my credit reports which I updated through the CFPB consumer portal in XXXX ( 2021 ) as a result of XXXX allowing a checking account to be opened. 

I immediately called Capital One and was transferred to a rather combative CS Manager in Capital One 's fraud department who went so far as to say to me ( on a recorded call ) that " [ he ] didn't have time to stay on the phone '' when I began asking him questions about how the account was opened?, was it opened online or at a branch?, what proof of identity was provided to open the accounts?, how were the accounts opened when I have identity theft flags on my reports as a result of the XXXX breach ( and considering I updated the identity theft flags notifying all three credit bureaus that fraudulent accounts were opened )? 

He said I would receive a letter in the mail in 7-10 days but claimed, contrary to FTC regulations XXXX that Capital One would not provide me the information of how the accounts were opened, what identity information was used to open the accounts, what federally mandated ID was provided to open the accounts, etc... Capital One you will provide me with the information about how the accounts were opened. 

I ask the CS manager who 'approved " the accounts being opened and he specifically named XXXX ( again, this is a recorded call ), thus XXXX XXXX has twice now, first with XXXX and now Capital One bank, within a 6-month period, approved fraudulent accounts being opened even though my credit reports have been flagged for identity theft since I received notification of the XXXX XXXX breach... 

And might I add that Capital One just settled a {$190.00} million class action lawsuit for their data breach YET, they've CLEARLY NOT PUT MEASURES IN PLACE TO PREVENT FRAUDULENT ACCOUNTS BEING OPENED AT THEIR OWN BANK. 

I opt-out of Capital One data breach settlement and will pursue actions as deemed necessary against Capital One and XXXX. 

I will be filing separate complaint against XXXX and adding XXXX and XXXX to the complaint for notification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I was sick with XXXX i provided them proof per the US credit cares act if affected by pandemic, i am now capable of paying my bill but i was never deliquent and they put my account as deliquent knowing i was hospitalized for XXXX fighitng for my life. i submitted dispute and first they send me email that it is being removed 30-60 then they send another email days later its only being removed if i pay balance my next payment per care act isnt due till XX/XX/XXXX and further more they can not report negs to agency per care act if hte acct was NOT neg prior to my being sick and it was NOT neg.. i demand the resolution of all negs removed from my credit report RIGHT NOW they give you the run around they scam clients the reviews are horrible and i am also going to make a stink to XXXX to ensure XXXX no longher uses them.. this is fraud all together this company is committing fraud and i want them investigated now and my credit report fixed asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation