vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
While checking my credit report, I notice an account from CAPITAL ONE/XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. I received a letter from them on XX/XX/XXXX, informing me of a collection company, XXXX XXXX XXXX XXXX, that had acquired my account. I sent them another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. It is now XX/XX/XXXX and I have not received an answer from them, and they are still reporting negatively on my credit report. I also sent certified letters to XXXX  and XXXX along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that CAPITAL ONE/XXXX  is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been with Wells Fargo for several years. I have paid my mortgage on time. During the Covid-19 pandemic, I divorced and used credit to pay my lawyer, which makes my debt-ratio high. I need to refinance to payoff the debt, but Wells Fargo said no because of my credit score. Again, my credit score is due to my high debt ratio. I have assets and a steady income, and Wells Fargo did not even bother to review that aspect of my financial circumstances.

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 2021-06-15 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: LA

Complaint narrative:
I AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I ordered a XXXX XXXX XXXX ( Total of XXXX ) on my Home Depot Credit Card ( through Citibank ) on XXXX XXXX. They shipped the product through XXXX  with no signature required. XXXX  tracking showed the shipment stuck in XXXX until XX/XX/2021. We Contacted Home Depot on XX/XX/XXXX asking where our package was ( for an update on the delivery status ) in which Home Depot told us that the product was never shipped and they were then re-shipping the package. On XX/XX/2021, XXXX updated the Delivery status to " Delivered on XX/XX/XXXX '' so we contacted Home Depot and let them know that we did not receive the package and they said that it shows as delivered and to contact XXXX regarding the delivery. Since it was past 7 days, XXXX could no longer submit a claim or dispute and to reach out to our Credit Card Company. So I did. Citibank credited my account back pending review. I contacted Citibank to dispute the charge on my Credit Card, and in review of their dispute, they determined that the product shows as " delivered '' so they denied my dispute, because XXXX told them so. I have called XXXX, Home Depot, and Citibank with no luck in getting this resolved. Citibank nor XXXX can confirm that the package was delivered to my doorstep ( no signature, no picture ) and nobody will open a dispute or claim to refund my initial purchase of XXXX on my 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 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
ATM was malfunctioning. Received my money and gave no credit for it .I was told I could close my account or get the funds that I needed to get a tire for my vehicle

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 2021-06-15 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: TX

Complaint narrative:
I sent a letter dated XX/XX/XXXX to TransUnion to dispute unauthorized hard inquiries showing on my credit report for XXXX XXXX on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX. As of today, XX/XX/XXXX, these inquiries for XXXX XXXX  and XXXX XXXX  are still showing on my credit report. i contacted TransUnion today, XX/XX/XXXX, anbd spoke with a representative to dispute the inquiries and I was asked if I had already sent in a letter to dispute the inquiries. I let the rep know I had already sent in a dispute letter for these items. I was told by the rep that he could not see the documents and would need to transfer me. Before transferring the call, the rep stated he did not know what the next rep would be able to help me with but he just needed to transfer the call because he could not see the letter I sent. My call was then transferred and I spoke with a rep stating his name was XXXX and he was a supervisor with the specialized fraud team. XXXX asked me for the dates of the letters I sent. I told XXXX I sent a letter dated XX/XX/XXXX to dispute the inquiries. I also told XXXX I had sent letters after XX/XX/XXXX to dispute other items. XXXX told me TransUnion had not received any letters from me in XX/XX/XXXX through todays date, XX/XX/XXXX. I have attached the letters that have been sent to TransUnion since XX/XX/XXXX. I am unsure of how none of the attached letters have been received when corrections to unverified and inaccurate items showing on my report has been made resulting from the letters I have sent that are attached. Due to the mishandling on my call today and TransUnion reporting inaccurate, unverifiable, and unauthorized information on my credit report TransUnion is blatantly violating my consumer rights. I am requesting that these unauthorized inquiries on my credit report be removed 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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have an old account ( XXXX XXXX XXXX ), from 2012, that is still on my credit report. I disputed it with XXXX, and it wasn't removed. All XXXX keeps doing is saying that the updated the information. I disputed the information with ( XXXX XXXX XXXX ) directly and it was removed from XXXX. on my credit age, it shows 1year. Why is XXXX still showing that old account. This account should not be on my credit report. 

File number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: LA

Complaint narrative:
There is an account open at XXXX XXXX in XXXX, SC showing up on my credit report for around {$3500.00} that I did not open. After speaking with several people at XXXX corporate office, they have denied responsibility, saying that it was reported correctly on their end. The account belongs to a woman with the same name and similar social security number to my own. This woman is from the same town as me, with a similar birthday, name and ssn, so this has been a recurring problem for us for most of our adult lives. We should be closing on our home in 7 days, however this and other debts that have been incorrectly reported is causing a delay.

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 2021-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I borrowed {$10000.00} and with interest occurring loan is up to XXXX. I've been making payments and most of the payments is credited to the interest. I tried talking to the lender to see if the interest rate could be reduced or if we could turn the loan into a fixed rate loan so that I may pay the loan off in 4 years without steady occurring interest. But they told me they can not do that and since the loan is current there is nothing they can do for me. I contacted them on XX/XX/2021 is the most recent time. There has been one other time I spoke with them but I can't recall the date. I would appreciate any assistance in helping to resolve this problem.I 'm on a fixed income and the person the loan relates to is unemployed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I request a securtiy freeze/pin/block for Transunion, 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 2021-06-15 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: MI

Complaint narrative:
It has been over 30 days since I submitted complaint with the credit bureaus and I have not received a responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TX

Complaint narrative:
I AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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 AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TX

Complaint narrative:
I have disputed multiple times incorrect/fraudulent information that has appeared on my Experian /XXXX  credit report. I have ask to provide documentation of the alleged debt which has not been provided to me. I hired a credit repair service to help obtain information that at the point was still not provided. I have four accounts on my credit report that I have been opening up disputes and requesting that those items be removed from my credit report. To this day nothing has been updated nor have I received documents of the alleged debt.

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 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To whom it may concern On XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX transferred my mortgage to Citimortgage Inc as per letter XX/XX/XXXX from citimortgage. 
On XX/XX/XXXX I pay off above mentioned mortgage account # XXXX for coop at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. 
Prior to selling my XXXX , on XX/XX/XXXX I emailed request for stock certificate to XXXX. It took me 3 months to get an answer from company. I sent multiple emails and made calls to citi bank customer service and finally on XX/XX/XXXX I got response from lien department. It stated : " The original stock certificate and proprietary release would have been returned to you following the loan pay off in XXXX. We have conducted a thorough search of our records but due to the age of the account pay off we are no longer able to provide copies of that mailing ". 
To receive a new stock certificate for closing on XXXX XXXX had to pay {$600.00}. Citimortgage lost my stock certificate or perhaps even never got it from New York mortgage company during transfer of my loan XXXX XXXX mortgage company got it during purchasing of coop as they were my primary loan company. But I'm not responsible for proper transferring all documents between 2 loan companies because I didn't even initiate that transfer. Citimortgage didn't have any proof of mailing this document to me. I didn't receive document either. I kept all documents and letters related to my mortgage from start in XXXX to the end in XXXX but there is no stock certificate or letter that mentioned about mailing me stock certificate. 
I tried to resolve this issue with Citibank in person with branch manager XXXX XXXX XXXX, branch address : XXXX XXXX XXXX XXXX XXXX NY XXXX but after a while of his attempts to help me, he received the same answer as email I got on XX/XX/XXXX that certificate was sent to me but no record of it found. 
I would like to get a compensatory refund of {$600.00}, money I had to spend out of my pocket for document lost by mortgage company.

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 2021-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/2021, I received an alert from my credit monitoring app, XXXX, in regards to a collection that has been reported by Radius Global Solutions for the amount of {$51.00}, account # XXXX. My spouse called the collection agency in an attempt to rectify this matter by having it removed from my credit so we could pay it. RGS refused to do so and claims can only report it as paid. While I understand there are certain aspects that are governed by the FCRA when it comes to credit reporting, I am also understanding of the fact that as unsophisticated consumers, we were not given the chance to reasonably resolve this debt. After all, it is only {$51.00} and are able to pay it. However, the damage to the credit has been done and paying will do nothing. 

We never received a validation notice or even a phone call advising that they had received the account at their agency. If we would have been made aware that it was owed, we would have been more than happy to resolve the debt. While I am not disputing the debt at this time, I am submitting this complaint in regards to never receiving the validation letter at the correct address which would have notified me of my rights under the FDCPA and for this matter I feel that the company his performing abusive and deceptive acts and practices.

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 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
Hi, I refinanced my home with XXXX XXXX XXXX ( servicer XXXX XXXX  XXXX ). The initial loan was for XXXX and was closed on XX/XX/2021. 

I have made 2 principal only payments to XXXX XXXX  on XX/XX/2021 - XXXX XX/XX/2021 - XXXX reducing my principal balance to XXXX as of XX/XX/2021. XXXX Attached statement from XXXX XXXX  ). 

My loan was transferred from XXXX XXXX  to BSI Financial Services on XX/XX/2021 and they setup my account with initial balance of XXXX totally disregarding the previous payments in XXXX and disregarding the statement from XXXX XXXX  which shows clearly the account was transferred with an initial balance of XXXX. ( statements attached XXXX. 

I am not sure if this done to defraud me or was a mistake, however looking at BSI actions in past and the settlement they did with CFPB on the same issue per link below https : XXXX I have contacted both XXXX  XXXX  and BSI several times with no resolution. I even got both the companies on same conference call and XXXX XXXX clearly provided documentation to show that they transferred loan with a balance of XXXX, but BSI is not ready to fix this issue. 

They keep insisting that my original note is of XXXX, so that's the amount they will set the loan for. 

Please help in resolving as it is not getting resolved. 

The XXXX  XXXX  Contact Information is as below XXXX XXXX XXXX a division of XXXX XXXX XXXX ATTN : Consumer Solutions Department XXXX XXXX  XXXX XXXX  XXXX, Virginia XXXX XXXX BSI Financial Information as below BSI Financial Services XXXX. XXXX XXXX XXXX, PA XXXX Customer Care Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I started with Bitcoin through XXXX since XXXX XXXX XXXX or XXXX I have now connected to BB & T Bank, which I didnt have before when money was stolen from XXXX XXXX XX/XX/2021, or was XXXX and there bank. But, since I opened another account with BB & T, that they are thieves also. I transferred {$61.00} yesterday from XXXX to BB & T and now on XXXX  I only see XXXX transferred, vut there's no money on my BB & T Account. This isn't a paper check transfer, its cryptocurrency and should take less than a normal electronic funds transfer, due to better computer servers! So, please use me and my complaints, and I will be more than proud to show up for court cases?!!!!!

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