vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted disputes and an FTC report regarding a fraudulent account on my credit. 

XXXX & Transunion : XXXX {$1700.00}

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 2021-09-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have spoken to someone from Check & Go in the past & told them that the account was not mine, I did not apply for a loan, the information they had on me was not mine. I asked them several times to remove it. I did not find out they referred the account to an collection agency until I applied for a housing loan & was denied due to the collection agency XXXX XXXX XXXX being on my credit report. I had no knowledge of this collection agency or any contact information to call/email them. I filed a XXXX compliant on XXXX XXXX XXXX XXXX XXXX collection agency. I received a response from them within 2 days. XXXX told me they reached out to the credit reporting agency back on XX/XX/2021 that the account was closed in their office & remove the account from my credit report. They agreed to send a second notification to the credit reporting agency to remove account from my credit report. With that being said I would like to file a compliant on Check & Go, XXXX XXXX XXXX XXXX XXXX & the credit reporting agency. I lost money applying for a housing loan & being denied due to this negative account on my credit report. I have to start the whole process over again. This is not fair. Something should be done about these companies causing problems like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SD

Complaint narrative:
From XX/XX/XXXX to present day I have been having significant issues with my mortgage company known as Citizens at this time. They were initially Citizens One but now go by Citizens, who are affiliated with Citizen 's Bank and my mortgage company has mailed me several letters with different aliases that I have kept in a personal file. There is also a $ XXXX line of credit or second mortgage that was taken out on my mortgage that I did not authorize or get any notification regarding this. there were 3 amounts of {$9900.00} added on my mortgage account. I've also made many payments that have various 'other ' fees attached to them and when I called Citizens , no one was able to give me an answer or get me in touch with a supervisor or someone in a managing position regarding my payments, missing funds, errors in my escrow account, multiple payments etc. I've been battling with this company for a year now and know there is and has been fraudulent activity taking place. Also, my mortgage company reported me to the Credit Bureau on XX/XX/XXXX when I have a recorded phone call on XX/XX/XXXX stating they wouldn't and paper documents promising they wouldn't for a late payment on XX/XX/XXXX which was caused due to my termination of employment. After they reported me to the Credit Bureau, my credit was significantly damaged by this and in my field of work, good credit is a requirement. This company has not only stolen money from me, put me through financial hardship and emotional distressing/trauma, but they have impacted my career and how I make a living. 

Amounts and dates regarding payments to Citizens- {$1200.00} paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - {$1200.00} paid XX/XX/XXXX and XX/XX/XXXX - {$1200.00} paid XX/XX/XXXX - {$1100.00} paid XX/XX/XXXX - {$1200.00} paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - {$240.00} paid XX/XX/XXXX and XX/XX/XXXX - {$2900.00} paid XX/XX/XXXX - {$2800.00} paid XX/XX/XXXX - {$630.00} paid XX/XX/XXXX - {$990.00} paid XX/XX/XXXX - {$390.00} paid XX/XX/XXXX {$9900.00} x XXXX added to my mortgage account within no authorization from me, the property owner and only person authorized on this account. 

Please help me get justice and stop this company from doing this to me and possibly many others/families.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
Tuesday, XX/XX/XXXX @ XXXX ; i received an email stating, " Thank you for your recent inquiry regarding your Discover it Account. As requested, your Discover it card Account is now closed. '' the problem is, I never called discover to close my account. i called discover several times to let them know, it wasn't me. I did not call you guys to close my account., how could someone just close my account without my knowledge. 

discover stated the call was made, Saturday XX/XX/XXXX @ XXXX... i advised them i was in an appt., i never called. 

they stated, they would do an investigation... i called back today XX/XX/16 ** they said theres nothing they can do .. i can reapply. they will not reopen my account. 

this is unacceptable., i am the victim here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I checked my credit file with transunion I noticed they had marked one of my accounts as a derogatory when it is not. 

The account had been paid on time with no late payments and reflects that. 

XXXX and XXXX are showing account as Paid which is correct. 

The name of the account is XXXX XXXX XXXX Please have Transunion update their records. This is hurting my chances when applying for credit. 

Thanks you!

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 2021-09-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed an account and a few inquiries on my report I do not recognize

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 2021-09-16 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Consumer Financial Protection Bureau TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XXXX, Pennsylvania XXXX Telephone Number : XXXX Re : XXXX XXXX XXXX XXXX  TransUnion CRA Online Paid XXXX XXXX Account  has the Incorrect Current Residential Address I, XXXX XXXX XXXX ( Complainant ) had ran my online TransUnion LLC ( TransUnion ) Credit Reporting Agency ( CRA ) paid XXXX XXXX report dated on XX/XX/XXXX, for which, displays incorrectly my current residential address as : XXXX XXXX XXXX XXXX XXXX ND XXXX ( See Exhibit A ) instead of : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ND XXXX. 

However, I had noticed onto the XXXX XXXX XXXX XXXX doing business as, XXXX website that offers TransUnion CRA weekly online credit report through their direct hyperlink to which, I am able to connects to my weekly online TransUnion CRA, credit report by ways of TransUnion CRA intranet that displays my correct residential address as : XXXX XXXX XXXX, XXXX XXXX XXXX ND XXXX. 
( See Exhibit B ). 

Therefore, I had attached a copy of my redacted North Dakota Real Identification Driver License Card ( See Exhibit C ) and XXXX XXXX XXXX dated on XX/XX/XXXX ( See Exhibit D ), as TransUnion CRA legal proof or evidence ; in order for TransUnion CRA to update my paid online Credit Monitoring account because I can not dispute through with my paid online TransUnion CRAs Credit Monitoring 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 2021-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Ally Financial will be civilly liable under Title 15 U.S. Code 1692k if Ally Financial failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by XXXX XXXX XXXX. 

My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ Natural 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 2021-09-16 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: NJ

Complaint narrative:
I noticed an account and a few inquiries on my report I do not recognize

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 2021-09-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed an account and a few inquiries on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/14, I attempted to withdraw XXXX from my checking account at the XXXX MD Wells Fargo and was denied. The bank kept me waiting there 45 mins and refused to disburse my money. Their stated reason was that the numbering was suspicious about the check I presented. Now I do almost all bill pay online and have been carrying around my last few remaining checks from when I opened my account for all these years. So to their point, the check was " old '' and had my former address on it. Despite providing several forms of ID, my debit card, my checkbook itself, and all intimate details of my direct deposit and mortgage amounts ( as identity verification ) they would not disburse my money. Because of this, I was 2 days late in paying for a service. Obviously this is unacceptable.

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 2021-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: TN

Complaint narrative:
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Westlake Services Inc will be civilly liable under Title 15 U.S. Code 1692k if Westlake Services Inc failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by XXXX XXXX XXXX. 

My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ Natural 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 2021-09-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Wallace Management Company, LLC
State: NM

Complaint narrative:
XXXX at Liberty Finance has been very rude. Has called me 2-4 times a day regarding payment. Before her there was a man name XXXX and I had asked not to be contact through references and they had put it on my file. Today XX/XX/XXXX they called my references after I had already let them know not to. I have had a rough time since my husband and son had XXXX  and was unable to work for a while. I did let her know I will contact her when I can make a small payment. She was very rude and said she will keep trying to call me after I told her not to call me or my references.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: TX

Complaint narrative:
I requested that Client Services Validate an alleged debt that they were contacting me about in early XX/XX/2021. Instead they responded by sending medical conditions, diagnosis, and procedures in a correspondence on dated XX/XX/2021. Under the HIPAA law I am allowed to protect my privacy and medical records from third parties. Medical providers are not allowed to share this type of information without a HIPAA authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NV

Complaint narrative:
I had an outstanding bill from XXXX XXXX XXXX. The reason I had not paid the bill is because they added unauthorized charges to my account. I had a conversation and agreed to additional services, which I was told would reduce my monthly bill. That was incorrect and they demanded I pay XXXX  XXXX dollars for the changes. I asked them to review the telephone conversation I had with one of their agents as it was recorded, to which they declined. I informed them I had no intent to pay the fees they charged me without my consent. They turned me into a debt collector, to which I told them about this issue numerous times. I specifically told them the debt amount was incorrect, to which they told me that was not their problem. After trying to argue this through numerous phone calls with the collection agent, I eventually agreed to a settlement to get this off of my credit. This was done through XXXX on XX/XX/2021, reference number XXXX. The settlement was a reduction of approximately {$300.00} from the original bill amount of approximately {$900.00}. Now I have just received another call from a new collection agency, AFMI Collections, phone number XXXX. Apparently I have been turned in again to collections for the amount that the previous collection agent agreed to reduce my overall bill by. I am trying to clean up my credit so I can buy a home, and these people are nothing but bullies. How is it that the first company could continue to collect on a debt after I have informed them numerous times that it was not accurate? And then how can XXXX XXXX XXXX turn me in to collections AGAIN for an amount that was supposed to be waived. I need help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I have received correspondence from these two companies that I have no legal bound to trying to collect a debt with no contract or signed document by me giving them the authority to collect any debt from me. As the law requires curtain steps be taken before any company is able to collect any debt. this is a direct violation of the FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692d section 807 ( 1 ) ( 2 ). That leaves these accounts null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: DC

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am being scammed out of my benefits wrongfully and charged an debt that they are aware I never received XXXX because my last social security check was in XXXX same for my medicare card and are under investigation by molina fraud department XXXX XXXX report key XXXX. The Bureau of Fiscal Advisory services are aware of payments owed to me and in washington DC is the location where XXXX XXXX XXXX XXXX on XX/XX/XXXX honestly contacted washington dc social security office and XXXX bank by email and instructed them that there is an mix up with my name and that they must pay me all my money and that they must go back to XXXX and then she got replaced by XXXX whom has now changed her mind since she have heard from the bureau of fiscal advisors and she told me that I will get all my benefits backpay owed to me and are in agreement with Ms. XXXX now, she stated. I am informed by bank of america that the social security checks and the uia checks all went into the same account by XXXX XXXX XXXX XXXX starting with XXXX and that it was regular deposits. then on XX/XX/XXXX an XXXX at bank of america told me that my XXXX claim XXXX went into an XXXX XXXX XXXX account in XXXX. then after at least four women two of them I remember as XXXX and XXXX all four told me that they froze this account and are trying to get the money back to my account. They all lie now and say this is an XXXX, XXXX or XXXX dollar claim. 



Please Investigate.

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