vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 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: CITIBANK, N.A.
State: DE

Complaint narrative:
My XXXX  credit report shows that there is and Citicards CBNA account. This account was opened on XX/XX/2010 at that time I was XXXX years old with no knowledge of credit. This account was not opened by myself and is fraudulent.

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 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: AZ

Complaint narrative:
I utilized XXXX for a hotel ( XXXX XXXX ) on XX/XX/21. I called XXXX re : deposit and was informed my XXXX XXXX  Visa could be utilized. When checking in, the front desk stated that the XXXXXXXX XXXX card is not accepted. The Front Desk clerk stated that I would not be charged by the hotel and they would notify XXXX to refund the {$240.00}. I then called XXXX on XX/XX/21 and XX/XX/21 and was told that they emailed Card.com to refund my {$240.00}. Card.com is stating I need to wait 30 days. This is not acceptable. They also made me file a DISPUTE TRANSACTION form and have not followed up on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: TX

Complaint narrative:
I have fraudulent accounts reporting to my reports. I filled out a identity theft and police report and the bureaus are still refusing to delete the accounts : 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 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I do not own or know these accounts. I demand an investigation and removal of these collections accounts that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: EQUIFAX, INC.
State: IN

Complaint narrative:
After being unable to get my annual free credit report online, I was instructed by Equifax to copy my driver 's license and social security card along with a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. This letter including the aforementioned documentation was produced on XX/XX/21 and mailed via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/21 with a return receipt green card. I subsequently received a letter from Equifax Information Services, LLC requesting the exact same information AGAIN along with their enclosed letter. There was a telephone number enclosed XXXX XXXX XXXX XXXX which turned out to be some sort of non-related sales business. Equifax seems to be attempting to make it as difficult as possible to correct the damaging information contained within their files thereby causing me injury as a consumer. There are laws clearly written to stop this behavior, and I would like to know how to prompt them into compliance or how to file a law suit against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: PA

Complaint narrative:
Arc Home LLC failed to release the mortgage I paid off approximately 2 1/2 years ago. I am selling the property and Arc Home LLC will not provide the release of mortgage to the buyer 's title company. Their failure to do so is interfering with my property rights. Dealing with the company and their mortgage servicer, XXXX XXXX, is a nightmare. 
I have made numerous calls, have spoken to many people, both at Arc and at XXXX XXXX, to no avail. 
Please help an aggrieved consumer so that Arc and XXXX XXXX might learn how to service a mortgage and a former customer. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: DE

Complaint narrative:
My Equifax credit report shows that there is and XXXX XXXX account. This account was opened on XX/XX/2010 at that time I was XXXX years old with no knowledge of credit. This account was not opened by myself and is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: GA

Complaint narrative:
Experian have different names SS numbers, emails addresses, different telephone numbers. Stating to loans companies I apply for says that's what on my credit report. Call Experian to correct these issues 2months ago haven't done so They have my credit report mess up. I would like to file a compensation claim against them. How do I go about doing it

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 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: CO

Complaint narrative:
I received a request for payment of a debt from SIMM Associates that they indicated my deceased son XXXX XXXX owed them money. I have no knowledge of the debt so I repeatedly requested that they provide documentation to prove XXXX had an account with XXXX XXXX Bank, proof there was a balance, proof that XXXX XXXX owned the debt, and proof SIMM and Associates had the authority to negotiate or collect for XXXX XXXX XXXX or XXXX XXXX. I do not know who any of these people are and simply want them to identify their relationship and verify the validity of the debt. 

After repeated attempts I finally received a letter stating they had enclosed documents from their cliend Resurgent ... ... the letter was EMPTY, no documentation ... ... 

It took 3 days and hours on the phone to simply get through to the number provided then when I finally did the rep for SIMM asked me over 10 times to keep spelling my deceased sons name and finally said they have no record. This is an incredibly hard time emotionally for my family, we do not need to be strung along like this. I finally got an email to send the letter I received to which I immediately did ... .. and of course have had no response in two days ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
My account was locked and I wasnt aware about it until after I tried to put money on my card. Ive been going back and forth with American Express and they keep telling me to send a letter to a address. In which, Ive sent the letter multiple times and never received a call or a email from them. I want this problem to be solve because they are withholding my money from me and when I called them they said that my account was in the negative. I dont understand how my account is in the negative when the last time I checked I had over {$500.00} in my account and they dont want to do anything about it except give me the run around

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Portfolio Services, Inc.
State: WA

Complaint narrative:
XX/XX/2020 my car was reposessed from my home XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Wa. XXXX which is in a gated community, the gate which is open from XXXX to XXXX. the repo company came at XXXX which means they had to follow someone that lives in my apartment community to unlock the gate. It started back in May I fell behind in my payments and was waiting for my back unemployment payment. I was communicating with XXXX XXXX via email and she stated that if I make two payments they would put the repo on hold she never mentioned that the payments had to be together, in between time I was in communication with Mrs. XXXX, letting her know that I would be paying soon or that day in hopes my direct deposit would hit my account because my unemployment claim was finally fixed and approved. Even though we were in constant communication she still called and harrassed my friends and family. On XX/XX/XXXX, XXXX and the XXXX Mrs. XXXX called my son 's phone and left detailed messages about my account, about the car being placed in reposession and I need to give them the car back. My son saved these messages on his phone. My son doesn't need to know what is going on with my account, he is not on the car loan. I made a payment the end of XXXX and the beginning of XXXX. 
The end of XXXX I started receiving calls and emails from consumer portfolio saying that if I didn't make another payment they would put the account back into reposession, I let them know I couldn't make payment for a few weeks and mentioned my conversation with Mrs. XXXX about putting two payments to the back of the loan to get the payments current. They acknowledged the conversation and said we need two payments together which was never mentioned before. They said I had until XX/XX/XXXX to make a payment or the car was getting sent to repo collections. They came and got the car XX/XX/XXXX in the early morning hours. 
Today XXXX first I received a certified letter saying they are going to sell the car. The letter head says XX/XX/XXXX. I changed my address to a P.O Box in XXXX which I have statements from them with that address on it they were sending the certified mail to my previous address. I received it today with a XX/XX/XXXX date. The car is going up for sale tomorrow XX/XX/XXXX. 
At this point I don't know what to do. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
There seems to be something strange going on with this bank handling an issue with a check that was improperly filled out. The check was numerically written for {$260.00}. But, on the narrative section I mistakenly wrote XXXX XXXX XXXX XXXX. I noticed the error before my manager, who was the recipient. And, since she had not noticed the error yet, she was unaware of the problem. I was informed by her that they " posted '' the amount in the accounting ledger at the numerical amount. She asked me to ask the bank about the funds. At no time, that I'm aware of, did anyone ever tell the bank that they received the entire funds. Yet, I'm being told that someone put a notation on my account that they confirmed the recipient received the full {$260.00}. What's more is I'm now being asked to prove that they didn't receive the funds. As far as I can discern, that particular narrative began with one of their own customer service representatives. I've tried to explain this twice already. It's very insulting. The implication being made here is that I'm lying about my manager not receiving the funds. They can check for themselves to see if they were credited the amount.

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 2021-06-18 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: TX

Complaint narrative:
I have fraudulent accounts reporting to my reports. I filled out a identity theft and police report and the bureaus are still refusing to delete the accounts : 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 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
I had several calls from a company acting like the real AFNI Collector 's agency that XXXX XXXX XXXX uses when people don't pay their bill. I called the real number for AFNI provided by XXXX XXXX XXXX and they said for several days now that their system is down. The letterhead I'm receiving is from a fake AFNI collector 's company. I noticed they have a different XXXX XXXX number and a different contact number on the form that XXXX XXXX XXXX has provided me with. The hackers or thieves trying to get money from people are sending out what looks like real bills collecting funds owed to XXXX XXXX XXXX. These are fake bills that they are posing to be the real AFNI COMPANY. AFNI does work with XXXX XXXX XXXX to collect fees not paid on a timely manner. If you don't pay the fake company for AFNI - they somehow put the amount of XXXX on my credit reports. Very serious fraudulent activity going on here. Please help by passing this on. I had done my own research to find all this out! I hope this helps someone out there. DO NOT PAY this if you know it's not your responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved. 

These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  XXXX XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX/XXXX  Date of Inquiry : : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft WF/XXXX XXXX Account Number : XXXX This is not mine.

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 2021-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
I accidentally set up auto deposits into my robinhood account and had a reversal due to lack of funds in my account they were attempting to transfer from. Because of this reversal I never owed Robinhood any money as they wait for funds to clear until I can access them. Ive maintained a positive account balance with cash available unspent on any investment. However they refuse to give me access to these funds for either debit card purchases or transferring out into another account. However they will let me make trades with these funds which doesnt help bills get paid. The last transfer of {$200.00} cleared and they still refused to give me access to spend or withdrawal the funds except for trades. Ive contacted the company multiple times and they completely ignore my concern stating I dont have instant access to deposited funds which has been the case for a long while and not the issue at hand. They are causing undue stress and hardships on me by denying me access to cash available to spend anywhere besides robinhood. This has been an issue for over a month being unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have a Chase card through Amazon Prime that I earn points from purchases. I noticed I had more points that I should have, so I checked my Chase account and there was a purchase for {$1800.00} that I did not recognize. I went back to Amazon and didn't see anything matching that, but it turns out someone had hacked into my PC at work and ordered an XXXX XXXX XXXX XXXX  on XX/XX/XXXX and had it shipped to someone in New Jersey, and then they archived the order so that I didn't see it. Not only do I not use Apple products, I don't know anyone in NJ. I immediately contacted both Amazon and Chase to alert them that I did not place this order. Whoever hacked my computer also went into my XXXX account and had all messages from Amazon forwarded to Trash. I updated all my passwords, but again on XX/XX/XXXX the same thing happened, this time with a {$100.00} XXXX XXXX gift card. Again I called both Chase and Amazon and disputed the fraudulent charge. Chase issued me a new card and the charges were removed from my account and Amazon canceled the purchases. Then in XXXX, the charges were re-billed to my Chase account. When I called them, they told me that since they hadn't received credit from Amazon they considered the charges valid. I called Amazon several times while they investigated and they sent me proof that both orders were canceled, provided me the charge back dates and other information. I provided that information to Chase and they opened another investigation, and again they came back to me that they considered the charges valid. I can not get anywhere with their horrible outsourced customer service, so I was advised by a consumer law attorney to file a complaint. I have since deployed extra security measures including the text verification from Amazon every time I log in, and no further fraud has occurred. I have been making the payments monthly to Chase for my Amazon purchases, but am not paying for the fraudulent charges and it has been hurting my credit rating. It is also not my responsibility to make sure Amazon refunds Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Hello, I spoke with the defense team with the department of education and they informed me that I may be eligible to be refunded the amount of {$690.00}. I used a third party company called " XXXX XXXX XXXX XXXX, XXXX '' to help me consolidate my student loans with the department of education and was charge {$690.00} fee on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: MI

Complaint narrative:
I checked my credit report recently and saw some items on there that I do not recognize. There are some negative collections accounts and inquiries that were not authorized to be printed on my report. This violates my rights as a consumer under the FCRA ( 15 USC 1681 ). I sent the company an affidavit stating these violations on XX/XX/2021 and it was received by them on XX/XX/2021. They said my information didnt match up the last time I contacted them so they couldnt do much but Ive since updated my info and I am exercising my right to have the items furnished by world finance, XXXX XXXX and XXXX  XXXX XXXX, along with the inquiries from XXXX XXXX and XXXX XXXX XXXX removed from my credit report, as I did not authorize or consent to them.

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 2021-06-18 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: MI

Complaint narrative:
I checked my credit report recently and saw some items on there that I do not recognize. There are some negative collections accounts and inquiries that were not authorized to be printed on my report. This violates my rights as a consumer under the FCRA ( 15 USC 1681 ). I sent the company an affidavit stating these violations on XX/XX/2021 and it was received by them on XX/XX/2021. They said my information didnt match up the last time I contacted them so they couldnt do much but Ive since updated my info and I am exercising my right to have the items furnished by XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX, along with the inquiries from XXXX XXXX and XXXX XXXX XXXX removed from my credit report, as I did not authorize or consent to them.

Company response to consumer: Closed with explanation