vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2021 I was charged a monthly fee of {$30.00}. Then on XX/XX/2021 I was charged a {$34.00} overdraft fee. I was told the reason is that I have a Citi Priority package with them and that I must keep my balance over $ 50k/month to avoid the fee. The problem is that I closed my checking account XX/XX/XXXX. So I no longer have a Citi priority package with them. I only have a savings. So now that they no longer have a checking account to charge for the monthly fee they started charging my savings even though I am no longer getting benefits of both accounts. The rep that closed my account in XXXX never informed me that I would now get charged to my savings account. Every savings account I have ever had was free. With Citi it is not free but this is the first month ever in over a year that I was charged and I have not met the balance requirement for about a year now.

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 2021-11-03 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: NC

Complaint narrative:
I am a victim of identity theft, the following information is reporting to my credit report is information that i have no relation too. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that i owe a debt or consented for them to run my credit report. The following information is fraudulent. XXXX ( {$3600.00} ) # XXXX, XXXX XXXX ( {$110.00} ) # XXXX, XXXX XXXX ( {$44000.00} ) # XXXX, XXXX XXXX ( {$180000.00} ) # XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
XXXX is continuing to report a debt as verified. This debt is an open fraud case with law enforcement and open case with XXXX  XXXX XXXX XXXX ( as regulatory agency for original creditor XXXX ). This has been deleted off of XXXX  and XXXX. XXXX keeps reporting information that is identity theft. 
Alleged debt is : eastern account systems. 
XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
I recently attempted to purchase new car insurance and was notified of an adverse claim record being reported by LexisNexisXXXX. 

Ive emailed and called XXXX to discuss the inaccurate claim history, however the rep will not share any information after identifying myself and will not update their record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHECKredi of Kentucky, LLC
State: MA

Complaint narrative:
I was called about transaction that were returned to my bank account. These were from XXXX XXXX XXXX XXXX, why they were returned was unknown. They stated that the charges didnt go through even though I held the proper balance in my account for 48 hours plus. I payed the debt and have a receipt from their email, I was told this covered the two transactions in question, and the only two that were of issue. I got a call the following day from the same company multiple times, including emails as well. After explaining I paid, having the receipt, and having the verbal confirmation that my debt was payed in full. They said I owed them more money, even though I was charged more than what the two transactions were worth in the first place ( one was {$17.00} and change as well as {$25.00} and change, I payed {$52.00} which can be seen in the receipt )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: United PanAm Financial Corp.
State: PA

Complaint narrative:
hello, my name XXXX XXXX and I am a victim of identity thief. I report everything that need to be deleted below and in the attach documents. 

1. XXXX XXXX XXXX ( Collection Account ) Account Number : XXXX Collection opened : XX/XX/XXXX Amount : {$1700.00} 2. XXXX XXXX ( Collection Account ) Account Number : XXXX Collection opened : XX/XX/XXXX Amount : {$370.00} 3. XXXX XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX Amount : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX XXXX, 2021 I received XXXX XXXX Payment for my son minor child XXXX XXXX I have and account with Chime Bank third party banking for XXXX XXXX  the told me that they never received the funds from Social Security, I was told to contact XXXX XXXX when I did the inform me that the fund was send out and accepted by this Bank I then called the Bank they still told me that they did not have these fund Social security contacted the US Dept of Treasury which they said the funds was send and accepted by Chime Bank. When I called chime back I ask for verification that they did not received these fund and can they send me an email they stated that they can not send me this stated because they do not send out emails they have been emailing me all day. I also inform them that I have vbeen recording the conversation. So yes I have a video of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Between XXXX and XXXX XXXX night I, XXXX XXXX went to go deposit {$100.00} in cash and a check of {$88.00} from work. When I deposited the cash and the check, the screen loaded for a while and then the ATM flashed with a yellow screen telling me the ATM " Could not take in my cash or check at this time. '' It gave me back a few XXXX dollar bills and my card and kept my check and {$100.00} in cash. It gave me a small slip telling me " Sorry for the inconvenience '' and there had been a deposit of {$0.00} cents as a place holder until I made a claim and told them the amount I had deposited. I made a claim to Wells Fargo the next day and they told me because it was cash I might not get it back. They also told me I'd have to wait well over a week and a half. I will be evicted if I do not have that money soon. 
The location of the ATM was XXXX XXXX XXXX, XXXX, FL 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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : DEPT OF ED Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: CORELOGIC INC
State: PA

Complaint narrative:
I have filed a dispute for incorrect items on my credit report. It has been well over 30 days and I have not 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 2021-11-03 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I have filed a dispute for incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt?
4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your le

tter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attachin
g property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validit
y of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MN

Complaint narrative:
A XXXX XXXX tradeline appeared on my credit report for an account that was opened by my previous employer years ago for business use, and I am not responsible for the outstanding balance. This debt belongs to XXXX XXXX XXXX and should be removed from my credit report. I received a request from Diversified Adjustment Service on the same debt which I requested no further contact but still received in the mail an itemized statement that I did not request. XXXX and another collection agency has already rightfully ceased collection on this debt and Diversified Adjustment Service should do the same immediately. Please cease & desist immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Hi yes I tried contacting ally corporate about seeing if I can get 2more months extension on my XXXX XXXX XXXX. They did give me already 2prior exstentions due too financial hardship with medical bills etc. I'm hoping I can get XXXX and XXXX exstentions without the up front fees. Last exstentions they waived the up front fee because can't afford the feds. Hoping too get 2more exstentions without up front fees. The person I talked too last time told me he would check with dept manager. The manager approved my exstentions without up front fees. Manger sent me letter in mail for me too sighn which I did at that time. I should be all caught up on bills by XX/XX/XXXX. I also was diagnosed with XXXX. I'm on XXXX just going thru hardship right now. Living paycheck too paycheck. As it stands right now can't make XXXX and XXXX payment due too hardship. Again I tried calling corporate 2times no call back.

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 2021-11-03 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: OneMain Finance Corporation
State: FL

Complaint narrative:
Good afternoon, On XX/XX/XXXX I sent a letter to One Main financial explaining to them what laws they went against when it comes to my consumer report. It is nowXX/XX/XXXXwhich is way over the 30 day mark and I still have not heard anything back from One main financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
I checked my consumer report one morning and notice a collections was on my report. I never been notified of the account so I reached out to them via mail with a validation letter of the debt they say I owe on XX/XX/21 certified with a return receipt. The company received the mail XX/XX/21. I received a response from Genesis FS card services XX/XX/21 stating they are unable to locate an account with the information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I was in a forbearance plan on my mortgage with Pennymac in 2020. Per the Cares Act the mortgage was not to be reported late. I have no reported lates for 2020 on XXXX or transunion. The XXXX report shows no lates until XX/XX/2020. The month I paid off the mortgage. I have called Pennymac and get no response after putting in a complaint. I have disputed with XXXX several times and each time a new error pops up. I have been denied a mortgage due to this error. Im told my report shows my payment is $ XXXX per month. XXXX refuses to fix any errors and neither does Pennymac. Im being harmed financially waiting another year to buy will put homes out of reach for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: ID Analytics, Inc.
State: PA

Complaint narrative:
I have filed a dispute for incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
Nationwide Recovery Service is in violating HIPPA right by reporting a debt by XXXX XXXX XXXX by XXXX. I went to the doctor for a very personal matter and I do not appreciate ever person/company that looks at my credit report to know about my visit to the urgent care facility. It is very humiliating and embarrassing. I am prepared to take legal action against Nationwide Recovery Service and XXXX XXXX XXXX for causing me emotional distress and violating my rights. At this point it's not the measly {$170.00} it's about the fact that they are displaying my personal health for the world to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I have filed a dispute for incorrect items on my credit report. It has been well over 30 days and i have not 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