vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my final request to remove account which never belong to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
Please remove account as soon as you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: NY

Complaint narrative:
I am a victim of identity theft

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 2021-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/20 I 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 im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX 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 2021-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
In XXXX I purchase a used XXXX XXXX XXXX. XX/XX/XXXX I was involved in a vehicle accident which totaled the car. My car loan was through Capital One. Once I could I made a payment plan on the vehicle through them and paid off what my insurance couldn't cover. The insurance made two payments one for {$950.00} and another for {$16000.00}. then my payment plan started XX/XX/XXXX for {$200.00} a month. On XX/XX/XXXX I made my last payment of {$94.00} that payment wasn't due until XX/XX/XXXX and they are trying to say it was charged off so it is hurting my credit score dramatically and if this isn't resolved I've contacted my lawyer to file a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I have sent in excess of 4 certified letters and submitted several online disputes requesting that the credit reporting agency present validation of the bankruptcy listed on my report. Over the last 2+ years I have not received the requested information. My request is valid according to the FCRA and I should have received the requested documentation by this point. My credit report is continuously updated with the statement that the bankruptcy has been verified. 

The agency also has not provided the method of verification in accordance with Section 611 ( a ) ( 7 ) of the FCRA. XXXX is prohibited from reporting information concerning my file, so the agency could not have verified the bankruptcy this way. I have also attached documentation from the court that indicates they do not provide information to credit reporting agencies, so I am further befuddled as to the methodology employed to validate the bankruptcy. 

If this negative item is not removed I will be filing suit pursuant to Sections 616 and 617 of the FCRA to pursue remedy for the effects of this adverse reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
I have a collection account from a VANCE & HUFFMAN LLC that I have no knowledge of I tried contacting them in 2019 about this issue and told them I was a victim of identity theft and they told me they were going to delete this off my file and have not done it yet. I need this off my credit file because its NOT my account, I have no knowledge of this account. This account was opened without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Placed order with retailer on XX/XX/2020 in the amount of XXXX, per the credit offers posted on the retailer XXXX, purchases on a personal XXXX credit account of at least XXXX qualify for 12 month financing promotion, meaning no interest if paid in full within 12 months of the purchase date.

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 2021-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I requested temporary relief due to being unable to work because of Covid. I requested this and it was approved on XX/XX/2020. 2 Days later the company took a payment despite this, after I explained to the rep I did not have the funds to make a payment, and over-drew my checking account. 

I made a complaint a complaint through the secure messaging system. And there only response is we will bring this up with our reps in our next company meeting. 

I had to have my checking account restricted by my credit union. The credit card company could not take any more payments so not only did they report my delinquent status on my credit reports, but also charged me late fees for the months of XXXX and XXXX for non payment. This was after they sent me a letter stating I could miss 2 billing cycles worth of payments. I have this letter and the bank statement. 

The company that did this is Comenity which provides credit for XXXX. To get them to stop I had to pay more than I owed, including 2 late fees that I should not have owed. This came directly from my stimulus funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OK

Complaint narrative:
This is a student loan account. All student loans by government in order are to be in automatic forbearance/deferred whatever you want to call until XX/XX/XXXX. 
Nel Net has been wrongfully reporting my payments as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5300.00}, {$0.00}, {$5800.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
In XXXX I purchase a used XXXX XXXX XXXX. XX/XX/XXXX I was involved in a vehicle accident which totaled the car. My car loan was through XXXX XXXX. Once I could I made a payment plan on the vehicle through them and paid off what my insurance couldn't cover. The insurance made two payments one for XXXX and another for XXXX then my payment plan started XX/XX/XXXX for XXXX  a month. On XX/XX/XXXX I made my last payment of XXXX that payment wasn't due until XX/XX/XXXX and they are trying to say it was charged off so it is hurting my credit score dramatically and if this isn't resolved I've contacted my lawyer to file a law suit.

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 2021-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I have sent in excess of 4 certified letters and submitted several online disputes requesting that the credit reporting agency present validation of the bankruptcy listed on my report. Over the last 2+ years I have not received the requested information. My request is valid according to the FCRA and I should have received the requested documentation by this point. My credit report is continuously updated with the statement that the bankruptcy has been verified. 

The agency also has not provided the method of verification in accordance with Section 611 XXXX a ) ( 7 ) of the FCRA. XXXX is prohibited from reporting information concerning my file, so the agency could not have verified the bankruptcy this way. I have also attached documentation from the court that indicates they do not provide information to credit reporting agencies, so I am further befuddled as to the methodology employed to validate the bankruptcy. 

If this negative item is not removed I will be filing suit pursuant to Sections 616 and 617 of the FCRA to pursue remedy for the effects of this adverse reporting.

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 2021-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I have sent in excess of 4 certified letters and submitted several online disputes requesting that the credit reporting agency present validation of the bankruptcy listed on my report. Over the last 2+ years I have not received the requested information. My request is valid according to the FCRA and I should have received the requested documentation by this point. My credit report is continuously updated with the statement that the bankruptcy has been verified. 

The agency also has not provided the method of verification in accordance with Section 611 ( a ) ( 7 ) of the FCRA. XXXX is prohibited from reporting information concerning my file, so the agency could not have verified the bankruptcy this way. I have also attached documentation from the court that indicates they do not provide information to credit reporting agencies, so I am further befuddled as to the methodology employed to validate the bankruptcy. 

If this negative item is not removed I will be filing suit pursuant to Sections 616 and 617 of the FCRA to pursue remedy for the effects of this adverse reporting.

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 2021-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I just took a look at my credit and noticed that I was being reported as being 30 days past due as of XX/XX/2015. I just looked through my records and do not recall even having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The accounts that I disputed wasn't fixed by the company at all. When I requested verification of the debts it came back verified when it wasn't verified by the creditor. How can it come back as verified with the credit bureaus when the creditors couldn't verify the debt and This inaccurate information on my credit is preventing me from purchasing a home and is effecting my true credit score. The credit bureaus went well over the 30 days multiple times and I feel like this should be resolved as soon as possible.

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 2021-01-23 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:
The accounts that I disputed wasn't fixed by the company at all. When I requested verification of the debts it came back verified when it wasn't verified by the creditor. How can it come back as verified with the credit bureaus when the creditors couldn't verify the debt and This inaccurate information on my credit is preventing me from purchasing a home and is effecting my true credit score. The credit bureaus went well over the 30 days multiple times and I feel like this should be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I asked this mortgage company back in XXXX to not pay an insurance invoice cause the premiums changed and they will get a new one in a week. They sent both out of escrow. So they showed I had 2 insurances on my home. I get an escrow analysis and it says my payments going up XXXX dollars a month. Been calling and on the phone every week for a month to get an answer. After I receive a check from 1 of the insurances and pay it back into escrow, they tell me that it shows my insurance is going up XXXX dollars still and thats why my escrow is negative. My insurance is XXXX a year and doesnt need to be renewed till XXXX. But they still show in going up to XXXX. But only they see it. Not my insurance company or the insurance department for the mortgage company themselves. Cant get a clear answer on anything.

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 2021-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I just took a look at my credit and noticed that I was being reported as being late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I just looked through my records and do not recall ever having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.

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 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX I was supposed to receive my pua unemployment benefits bacc pay. Speaking with a representative I asked what was the limits for direct deposits because I was getting about XXXX he said its XXXX a year and that amount should be fine. So I set up my direct deposit for the serve account and received XXXX I tried logging on to get some cash and they permanently suspended my account for no reason saying I violated the terms and I had to write a letter. I am XXXX  for 2 weeks and i been waiting 6 months for unemployment. My Bill 's are still pulling up I dont know what to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I just took a look at my credit and noticed that I was being reported as being 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I just looked through my records and do not recall ever having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I just took a look at my credit and noticed that I was being reported as being 30 days past due as of XX/XX/2015. I just looked through my records and do not recall even having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.

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 2021-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I used Remitly on XX/XX/2020 to send money to XXXX. The dollar amount was {$780.00} plus {$3.00} for the transfer fee. I t was supposed to be received the same day. Reference # XXXX. According to the company the money was sent by me on XXXX XXXX at XXXX XXXX PST and was transferred to my relative he was supposed to get it on the same day at XXXX Local time. It was supposed to be deposited to his Visa card that is linked to his bank account. The money was needed for a XXXX that took place on XX/XX/2020. I kept on calling them every day and they told me it was completed however he did not received the money at all. Customer service representatives told me every single time i have to prove to them the money was not received by him they even requested a real time printing of the transactions made that weekend to prove there was no money deposited at all. After so many calls to customer service representatives they told me to send in the bank statement the money was not received at all. I complied with the request and they keep on telling me it has been internally escalated because XXXX, wich is a third party in XXXX shows it was deposited already. I am exhausted and disappointed nobody can help me in remitly at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have reached out to this company multiple times that the report on there is not accurate and to remove negative remarks

Company response to consumer: Closed with explanation