vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 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: CITIBANK, N.A.
State: WI

Complaint narrative:
XX/XX/21 Ran credit report on myself to check credit score. 2 revolving credit cards were listed on the report which are not my accounts. I reported the disputes to credit bureaus : XXXX, XXXX XXXX and XXXX. I spoke with both creditors to verify these are not my accounts. 
One of these accounts was removed from my credit report as it was deemed to not be my account. The other creditor claims that the information they reported to the credit bureau was accurate and it is my account. This is NOT my account!!

The creditor is CBNA ( CitiBank North American ) It is a XXXX revolving credit with a balance of {$19000.00}. They report an address of XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. This is not my address nor has it ever been my address! 

This is not my account and has effected my credit standing. This is my report from credit bureau XXXX : Remains CBNA Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your ISSUEIncorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Information belongs to someone elsereport for the details. I am very upset that this is on my credit report andwould like to complain that this Company is not resolving this issue. I need to know what to do next.

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 2021-04-29 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: DISCOVER BANK
State: NH

Complaint narrative:
I had a {$3.00} billing dispute against merchant XXXX that I had raised with Discover bank and it was resolved by discover but they never credited {$3.00} to my account and now I see that they are adding interest to that amount every month. 

Dispute reference - XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
The company is American Credit Acceptance, the loan was in XXXX of XXXX. The original loan was approximately {$4500.00}. In XXXX of XXXX I feel behind 90 days due to divorce. I had the car impounded by American, I paid the towing, fees, and rear payments etc. I noticed the following months that I wasn't getting an invoice mailed any longer, I contacted American at least 10 times my explanation was startling. They told me I can have the car and make payments but its now repossessed status even though I have it, and American is not obligated to send out any correspondence on payment due, balance etc. I ran my XXXX XXXX report and the balance is XXXX, as well no reporting since XXXX of XXXX for a car that I still make monthly payments on. I never know if my payment has gone towards the balance or due date without data. I was reported to XXXX on XXXX and XX/XX/XXXX with incorrect data and since then not another report to any agency. The nasty behavior from the company has left one alternative but to contact FTC, how can I stay on top of a ghost loan, as well not correct the old bad of XXXX. I dont have a clue I just call them once a month. Ive enclosed my XXXX XXXX for American Credit as proof of XXXX owed, and them not reporting on money they are receiving. I will not be able to give you a correct loan number etc, because I havent gotten a statement in years. My old phone is XXXX for reference, current number is in the following page

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I have been trying to update a delinquent payment reported on my credit report cause by a lemon vehicle provided by BMW. After ongoing issues with my brand new lease vehicle, BMW finally devised to provide me with a substitute car. During this process, my car was at their repair facility quite often. This created issues at work, actual damages and other financial issues. During these times, the account went delinquent 30 days, as I was under the impression that my deposit was going to be utilize to cover an installment payment.

Soon thereafter, I made 3 upfront payments to bring the account current, and to move forward with everything I have been doing business with BMW for quite some time, and the reason why I lease a brand new BMW is not to have this issue. The account would have never been late, if this issues wouldn't appeared. This problem not just affected me, but my family members as well. I would like to have this account updated to pay as agreed, and not late. 

Account ending in XXXX 2021 BMW XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: MO

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: IL

Complaint narrative:
These account has been added to my credit report without my knowledge. I have disputed and provided a police report but the credit bureau keep reporting the account for XXXX XXXX XXXX, XXXX, and 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 2021-04-29 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:
Transunion is reporting I had a XXXX card. Please have them verify this information with a XXXX card. I have never had a XXXX  card in my name. The account is showing up only on my Transunion credit report only. The amount shown is XXXX account XXXX. I have never had an account in my name with a XXXX card. Please have Transunion personally verify my information showing the I had and I am responsible for the debt of the credit card.

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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/XXXX i sent a certified mail to XXXX. Disputing the unverified acounts on my credit report. XXXX sent me a redit report XX/XX/2021. Showing that the account from XXXX. XXXX XXXX was removed and deleted from my report ; XX/XX/2021 on the report. The account was closed with an amount of {$8800.00}. And a last payment of {$100.00}. XX/XX/2021 XXXX report. The account closed on my XXXX via XXXX XXXX. XX/XX/XXXX, XXXX removed the late payments from the account. Then on XX/XX/2021. XXXX XXXX XXXX, XXXX  report the account open with a balance of {$10000.00}. Which is inaccurate i disputed with bureau and they informed me via phone call that it will be removed. XX/XX/2021. The account was closed with an amount of {$11000.00} with a last payment of XX/XX/2021. Which is inaccurate. The then, XX/XX/2021. The account was opened again with a balance of XXXX. In addition the very next day XX/XX/2021. The account was closed and removed from the report. They fail to verify the account and remove the inaccurate information. I been disputing this account since XXXX. XXXX refuses to solve this issue with the credior and is causing me Financial injury. This harmful inaccurate information is causing distress. XXXX  need to resolve this complaint immediately. Via section 609 of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: MO

Complaint narrative:
Hello, I attented XXXX and after transferring to the XXXX XXXX XXXX  in XXXX, Williams and Fudge contacted me and said that I owed them {$1200.00} on XX/XX/2020 through my phone number and personal email, which I never gave them access to, and I thought that this debt was valid so I had set up a payment plan with them but as I am a student I was unable to keep up with the payments, The company then continued to harass me constantly to continue to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NH

Complaint narrative:
Unsolicited offers. Loan Depot emails, calls, and sends physical mail regarding my loan. I do not have a loan with them, I never had a loan with them, they bought my information from someone else whom I applied for a loan through. Now they will not stop contacting me. I have notified them multiple times to remove me from their contacts, but I continue to receive unsolicited offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: LA

Complaint narrative:
I submitted a dispute with EQUIFAX over XXXX day ago concerning a fraudulent account on my credit report from XXXX XXXX XXXX XXXX XXXX. The original creditor XXXX XXXX XXXX XXXXXXXX XXXX, SUBMITTED THIS COLLECTION TO THEM. I called both parties about this and neither of them found record of me. I submitted my Identity theft report and police report to EQUIFAX and have been waiting for a response. I called the XXXX XXXX XXXX XXXX today to see if any information came in about me, they said nothing has been sent over from the credit agency.XXXX XXXX said it had to be and error from EQUIFAX to put this on my credit report. I am unable to rent an apartment because of this. They are dragging their feet about this matter and its costing me my lively hood. They have the wrong address on file even though I have updated it XXXX times, so I am unable to call and pass the identity questions to speak with a live representative. I am living with friend because this rental debt on my credit report has me stuck on someones couch, because I keep getting denied for rentals. PLEASE HELP ME CONCERNING THIS ISSUE. 
amount owed- {$6800.00} date assigned to collection-XX/XX/2020 actions taken by me-files police report and identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: MO

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

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 2021-04-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been disputing my personal information since XXXX for inaccurate information and they refuse to delete the inaccurate information. I want all inaccurate information deleted immediately. 

XXXX is reporting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  is the only one that had deleted the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: IL

Complaint narrative:
These account has been added to my credit report without my knowledge. I have disputed and provided a police report but the credit bureau keep reporting the account for XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Continuous monthly occurence. My work sends direct deposit information to the banking entiry days before payday. Now moneylion advertises that it will pay you two days early for aetting up direct deposit. However, this has only happened two times for the last six months. I used to bank with XXXX and always received my paycheck two days early as advertised. This bank does not honor what they advertise which has caused me to have late fees for bills. As im going with what is being sold to me. Part of the reason i switched banks in the first place. Was their Banking features. Their XXXX feature is also misleading and falsley advertised even when paying a XXXX $ a month membership fee to use that particular service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
My mortgage was sold to Rushmore Loan Management Services in XX/XX/2021. Shortly thereafter, I received a letter from them requesting proof of insurance. I immediately provided them with a copy of my XXXX/policy page listing my coverage amount ( plenty to cover mortgage amount ) and the organization was listed as mortgagee/loss payee. Two months later I am still getting notices that they have not received my insurance information. My insurance company has sent it, I have mailed it, I have faxed it and my insurance company sent it a second time, however, I am still being told they do not have this information. At this point I assume they have placed homeowners insurance on my loan. I will not pay any additional insurance due to this organizations incompetence 's. I dont know what else I can do to get them what they need. Clearly the issue is at their end because I have all the receipts of delivery. I have contacted this company five times and again today. I spoke with a manager today, XXXX XXXX at XXXX XXXX XXXX who assured me she would call my insurance agency immediately to get a copy of the insurance binder. As of XXXX XXXX my insurance company has not heard from her. XXXX XXXX was also going to inform me when she contacted them. Ive received no call back. I dont know what else I can do except ask for your help. I certainly am not going to pay for additional homeowners insurance when I have had home owners insurance in place, with the correct loss payee listed, since the inception of this mortgage. I appreciate your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: NJ

Complaint narrative:
I would like to file a complaint against Experian for discriminatory actions against minorities. Currently, this company refuses to correct inaccurate data information on my credit report. They continue to report erroneous information. This company has also mailed my personal credit report to my previous job address, which I never gave them permission to do so in the months of XX/XX/XXXX to XX/XX/XXXX. I already sent them correspondence with my home address of prior record being XXXX XXXX XXXX. This company refuses to remove incorrect information such as XXXX account when they reporting it as late, when this account was closed since XX/XX/XXXX. 

I reached out to Experian and they refuse to investigate the matter. I can not even submit a request online to submit a dispute. There are approximately 5 accounts in which they refuse to correct on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
XXXX 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation