vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent a letter to XXXX  and Experian on XXXX. I have not gotten a reply from either company. according to the Fair reporting credit act, these items should be deleted.

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 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi refuses to help me via chat, and their phone " help '' is incompetent. I've wasted many hours trying to get this figured out and nobody will help me. Their so-called customer " service '' is pathetic. 

There is a discrepancy between chat Citi says was charged / refunded, and what XXXX claims was charged / refunded. I need to know who's telling the truth and proof of it, and where's my money. 

My credit card XXXX ( card since cancelled ) shows these XXXX charges : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Note that there are TEN charges of XXXX, plus XXXX in interest. Total XXXX. ( I don't know why XXXX made XXXX charges of XXXX and XXXX, or XXXX and XXXX. But they add up to XXXX. And the charge of XXXX is actually XXXX charges of XXXX, plus XXXX interest. ) My credit card statement also shows these credits : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( later charged back on my XXXX statement on XX/XX/XXXX, so I'm not including it in the math ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Note that there are XXXX refunds of XXXX ( I'm putting the XXXX and XXXX together ), plus interest of XXXX, that was refunded. Total XXXX. 

So I paid XXXX a total of XXXX, less XXXX, or XXXX. Which is XXXX * XXXX. 

However, XXXX claims that they refunded XXXX charges of XXXX, below : This is the MasterCard reference for the refund of {$1.00} Recon ID # XXXX This is the MasterCard reference for the refund of {$38.00} Recon ID # XXXX This is the MasterCard reference for the refund of {$39.00} Recon ID # XXXX This is the XXXX reference for the refund of {$39.00} Recon ID # XXXX This is the MasterCard reference for the refund of {$39.00} Recon ID # XXXX This is the MasterCard reference for the refund XXXX {$39.00} Recon ID # XXXX Please tell me whether these XXXX refunds, above, were actually made - were there FOUR refunds of XXXX or FIVE? And if there were XXXX, why do my credit card statements only show four refunds? And where is my missing 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 2020-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
XXXX XXXX XXXXNavient My mother and I moved in spring 2016 after she and my father finalized their divorce. Ever since, yearly and nearly monthly, we have been receiving calls for my father from these companies at this address at our cell phone numbers and landline which have never been associated to his name. We have told the company on multiple occasions that we do not have contact with him and have no way of contacting him and it stops for a while and starts again. 

I do not have specific dates. Please just assume this happens on a monthly basis. 

I asked the agent for how they were getting my info and she told me she could not and would not divulge that to me.

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 2020-10-22 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: ID Analytics, Inc.
State: GA

Complaint narrative:
There has been a breach in my personal information in the world wide web causing that accounts be opened with out my consent, these fraudulent accounts needs to be removed from my file immediately, I have already contact the creditor and they ask me to fill out an FTC report which is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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:
I contacted XXXX, TransUnion and XXXX  about false information being placed on my credit report I have asked these companies to conduct a investigation on this information they have in the system because its not me I have brought it to attention that the addresses and names they have in the system or not my name or address so please remove it off my credit report instead of conducting a Actual investigation the agent already said no its you there are just errors with spelling but its you without investing the matter at all so basically they asked me for the spelling of my name and address and put this on my credit report I extremely upset and I want this removed of my record this damaging and fake information is what destroys people lives

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 2020-10-22 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: NY

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-10-22 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: NY

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 

XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX/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 explanation
Consumer complaint received 2020-10-22 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: NY

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-10-22 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: LEXISNEXIS
State: GA

Complaint narrative:
There has been a breach in my personal information in the world wide web causing that accounts be opened with out my consent, these fraudulent accounts needs to be removed from my file immediately, I have already contact the creditor and they ask me to fill out an FTC report which is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: CBC Companies, Inc.
State: GA

Complaint narrative:
There has been a breach in my personal information in the world wide web causing that accounts be opened with out my consent, these fraudulent accounts needs to be removed from my file immediately, I have already contact the creditor and they ask me to fill out an FTC report which is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I've been working on fixing my credit since XX/XX/XXXX, I've disputed this account with the three major credit bureaus for the last 12 months. The two collection accounts reporting from bull city financial were deleted from XX/XX/XXXX; but continue to report to XX/XX/XXXXand XX/XX/XXXX. XX/XX/XXXXand XXXX  claim these accounts were verified, however when I ask for the method of verification I don't get a response. I've tried disputing directly  with bull city financial back on XXXX ( please see attached document ) with no response. I am unclear on how these accounts are still able to report on my credit report without any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: FL

Complaint narrative:
After taking a look into my credit report for any errors that may have occurred. I found an account thats payment history was inaccurate and reporting inconsistently throughout all three bureaus. I later found out that this was a violation of the FCRA.

As you can see this account was reported as a charge off that was being shown as " CO '' charged off on one bureau ( XXXX  ) Then showing payments as " OK '' paid as agreed on another bureau ( Equifax ) Then  Showing Zero Payment History For ( XXXX  ) Shown In The Attachments Is My Credit Report Showing The Inaccuracies And From Which Bureau. Also, Included Letter Sent To Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$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 ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -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.

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 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage put me in a payment suspension program 3 months ago, even though I did not need it. I was not suffering a hardship from Covid 19. I not only haven't missed a payment during the 3-month forbearance, I've actually made 3 additional mortgage payments in that time period. On the Wells Fargo website, it is stated that I can end the payment suspension at any time. THAT IS A LIE. I have requested that the program end multiple times, and they still have not done it. In addition, because I am still in forbearance, my mortgage account statements are not accurate or transparent. The information on my statements appear to be based on a strange and questionable accounting program devised by Wells Fargo. What credible reason could Wells Fargo possibly have for their obscure accounting, as statements should be accurate at all times. I have questioned WF executives about their accounting and I've been told repeatedly that the statements will be adjusted at a later time. What kind of BS is that? I am requesting again, that I be taken out of the payment suspension program. I also expect Wells Fargo to provide me with an updated and ACCURATE mortgage statement. It doesn't say much for the credibility of Wells Fargo Home Mortgage that I have to address these issues through Consumer Financial Protection Bureau..

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 2020-10-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America has my unemployment funds and have not let me get this money

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 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XXXX XXXX I noticed fraudulent charges on my Barclay Bank  account # XXXX XXXX XXXX XXXX. I called the number on the back of the card to report the fraudulent charges and request that the account be closed and reissued. Barclays automated system stated that they could take phone calls at that time and that I should communicate via their secure message system. 
I requested via their message system to close the account on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/2020. 

I also wrote two letters requesting that the account be closed. On  XXXX XXXX I received a form letter stating that they could not complete my request at that time. 
I was finally able to get them on the phone in early XXXX and after much discussion and finally a demand, they closed the account. 
If they had responded to my requests to close the account in a timely manner either by message or via phone as is usual for all other credit cards I have had, then there would have been no problem. 
I feel that they are responsible for all fraudulent charges on this account by their inaction to my request.

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 2020-10-22 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: The CMI Group, Inc.
State: TN

Complaint narrative:
On XX/XX/2020 I called and spoke with XXXX XXXX at XXXX, at Credit Management Resources. First of all, I never received a bill from the original creditor, confirming this, they had an old address on file from 5 years ago. I went ahead and paid the {$65.00} on my account and was promised that it would be removed from my credit file. on XX/XX/2020 the account still was showing but with a XXXX  balance. On XX/XX/2020 at XXXX XXXX I checked my credit report, and to my dismay, the account was still on the file from XXXX, It had been removed from XXXX, I called XXXX and spoke with XXXX ( I think this was her name, she spoke fast, and would not repeat her name ) She confirmed that I had a XXXX balance. I asked if they could contact the credit agency and remove the account since it had been completely satisfied I even reminded her of the conversation from earlier ( last month ), She stated that once it has been paid to a XXXX balance, they are not required to remove it from the credit file, I then asked to be escalated up to a supervisor, after about a 5 minute hold, she informed me that no supervisor was available, my response was that I would just report this to the Consumer Financial Protection Bureau. I feel that my consumer rights have been violated, I am being adversely impacted, although I have paid my debt in full. The address to the Collection Agency is as follows : Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Thank you for addressing this issue and advocating for consumers such as myself. 

XXXX XXXX XXXX, TN

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi. Experian is telling me they won't do an investigation even after I submitted disputes in writing and filed a complaint with your bureau. What do I have to do to get them to do their job? It's not fair that I am being treated this way. Why do they just get to decide if they want to do their job or not? I already sent them my social security card and my driver 's license when I mailed them disputes. Why are they ignoring me? Is that legal? Does your bureau do anything about that? I don't know what to do anymore. Should I hire a lawyer? Please tell Experian to do their job. If this doesn't get fixed, I can't get credit. I need my credit badly and Experian is preventing me from getting credit because they refuse to do an investigation on an account that 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 explanation