vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 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:
I saw an inquiry on my credit report from XXXX bank for an account that was opened 1.5 years ago. But I have not opened any account with them. I called chase and they confirmed that they do not have an account in my name. Beyond that they say they can not help. they gave me a number for Experian ( XXXX ) to file a dispute, but that line is fully automated and does not have an option for dispute. I also looked online for a phone number to disputing the credit inquiry, but I see the same number. I am stuck in this circle. 
Why do these companies make it impossible to file a dispute, while claiming to be the source of information for us? This is very unfair. I feel they make it intentionally impossible to dispute so that they can then charge us for other services.

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 2021-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX Ga XXXX has been sending me collection notices in the amount of {$810.00} XX/XX/2021.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi has closed my account without an explanation nor with my permission and refuses to refund the prorated membership fee. The CSR stated that I am not eligible for a refund. I stated that I didn't ask for my account to be closed.

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 monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lenox Financial Mortgage Corporation
State: MA

Complaint narrative:
I responded to a radio commercial from Lennox Home Loans in late XXXX and it offered a no closing cost loan. I applied and was eventually approved for a loan, but neither the Loan Estimate nor the Closing Disclosure itemized the {$100.00} x 2 recording fees for recording the discharges on the 2 existing mortgages that would be paid off with the proceeds of the new loan. 
I asked Lennox for assurance that the discharge recording fees were included in the LE and CD disclosure documents, and Lennox represented that they were included. 
My loan was closed in XXXX, but it turns out that the 2 discharge recording fees were not included in the Loan Estimate, the Closing Disclosure or the Lender Credit that was supposed to pay for all such expenses. 
The attorney who closed the loan at my house emailed Lennox after the closing asking them to forward the discharge recording funds {$100.00} x 2 to him. He is the one who ordered the loan payoff numbers and he had the lenders send the original discharge documents to him for recording as is customary in a mortgage refinance transaction. 
Lennox Home Loans has still not sent the {$100.00} x 2 funds to their attorney despite their assurances that the discharge recording funds were accounted for in the Closing Disclosure and that the 2 discharge documents would be recorded. 
I have all the emails to back up my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: NC

Complaint narrative:
I contacted Equifax via mail and phone requesting the removal of the inquiries that I didnt apply to. Equifax informed me that they are accurate and will remain for two years. I did not apply for credit to the companies listed with the exception of one for XXXX XXXX and that company is listed twice on the credit file. I have not received documentation for verification of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: NJ

Complaint narrative:
The following accounts should not contain any late payments whatsoever : 1. XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  Each of these accounts were open under an open end credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts contained a finance charge, which is the sum of ALL charges. The finance charged was paid when the company required my credit card ( social security number ) to open the account to begin with. Thus, the account was paid in full and shall not contain any late payments.

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 2021-12-21 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: NJ

Complaint narrative:
The following accounts should not contain any late payments whatsoever : 1. XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  Each of these accounts were open under an open end credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts contained a finance charge, which is the sum of ALL charges. The finance charged was paid when the company required my credit card ( social security number ) to open the account to begin with. Thus, the account was paid in full and shall not contain any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: NJ

Complaint narrative:
XXXX XXXX was opened under an open end credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore, this company did not have my written instructions to furnish this charge-off account on my consumer report. This account contains a finance charge, which is the sum of ALL charges. This account was paid in full when the company required my credit card ( social security card ) to open/fund this account in its entirety. This account should not contain any late payments, charge-off status, or collections. Moreover, there is no balance on this account and the status must be updated to paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My name is XXXX XXXX. I have opened up Citi XXXX Checking Account. After I opened the Account, Citi Bank sent the Checks and Debit Card. After my Debit Card was activated, I had transferred {$50000.00} from my other Bank to the Citi XXXX  Checking Account on XX/XX/2021. The amount was showing as Pending on that day. When I logged into my Citi Account on XX/XX/2021, the Citi XXXX Checking Account is showing as Blocked. I tried calling Customer Service so many times but none of them are helping me out. All the Customer Service Representative said, " You account is blocked and they can't help '' and hung up the phone. I am absolutely terrified with the type of service Citi Customer Service has provided. I am going under lot of stress as Citi is not helping to resolve the issue. I want to escalate this issue to Citi Bank officials but I do not have the contact. At this point, I want the Citi Bank to provide my money back.

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 2021-12-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive reached out to XXXX Transunion and XXXX 3 times in regards to incorrect information within the three BUREAUS across the board. The accounts are with. XXXX XXXX XXXX XXXX XXXX and XXXX. I ask the accounts be removed due to incorrect information as I have the right to a honest and correct credit report. Instead the accounts are updated with more inaccurate information each month across the board and its impacting my score tremendously. Ill like these accounts removed! Attached are the inaccurate information for each account. 

Thank 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 non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Ive reached out to XXXX XXXX and experian 3 times in regards to incorrect information within the three BUREAUS across the board. The accounts are with. XXXX XXXX XXXX XXXX XXXX and XXXX. I ask the accounts be removed due to incorrect information as I have the right to a honest and correct credit report. Instead the accounts are updated with more inaccurate information each month across the board and its impacting my score tremendously. Ill like these accounts removed! Attached are the inaccurate information for each account. 

Thank 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 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was called by Portfolio Recovery on XX/XX/21 About an XXXX XXXX Account that was opened without my knowledge over 8 years ago. I was told even if its off my credit I still owed the XXXX plus for the account. I told her I did not owe that money & that the account was opened fraudulently. She said it did not matter that I needed to pay. Theyve been calling none stop for the past few weeks with different numbers.That account is very old & doesnt make sense how Id owe money now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 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: NJ

Complaint narrative:
XXXX XXXX was opened under an open end credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore, this company did not have my written instructions to furnish this charge-off account on my consumer report. This account contains a finance charge, which is the sum of ALL charges. This account was paid in full when the company required my credit card ( social security card ) to open/fund this account in its entirety. This account should not contain any late payments, charge-off status, or collections. Moreover, there is no balance on this account and the status must be updated to paid as agreed

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 2021-12-21 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: NJ

Complaint narrative:
XXXX XXXX was opened under an open end credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore, this company did not have my written instructions to furnish this charge-off account on my consumer report. This account contains a finance charge, which is the sum of ALL charges. This account was paid in full when the company required my credit card ( social security card ) to open/fund this account in its entirety. This account should not contain any late payments, charge-off status, or collections. Moreover, there is no balance on this account and the status must be updated to paid as agreed

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 2021-12-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 my credit got ran for a chase credit card ( JPMCB card ) and on XX/XX/2021 my credit got rand for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). All inquiries were not me. I used to live with my boyfriend and we ended on bad terms and i believe he took a picture of my social security card. Ive contacted the police and the case number is : XXXX XXXX. Ive also called the credit bureau and the confirmation number is XXXX. My ex boyfriends name is XXXX XXXX and his date of birth is XXXX XXXX. Address is XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I have you received an email that you are looking int my complaint XX/XX/XXXX XXXX and have heard from you since. 

Can you give me an update of your findings? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: GA

Complaint narrative:
On XX/XX/21 I wrote to transunion to fix my credit report by removing items that are not correct. I asked in the letter I sent on XX/XX/21 for them to send me documents signed showing I did this and they have not complied. Recently I spoke with the XXXX court who stated that they dont have any record of a bankruptcy sent to transunion, which is reflected on my XXXX report no bankruptcy. After asking transunion to remove this inaccuracy they sent a letter backed saying it was verified which is not correct. Please help.

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 2021-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I sent a certified debt validation letter on XX/XX/2021 and this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to my information. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
I was called by XXXX XXXX on XX/XX/21 About an Kay Jewelers Account that was opened without my knowledge over 8 years ago. I was told even if its off my credit I still owed the 500 plus for the account. I told her I did not owe that money & that the account was opened fraudulently. She said it did not matter that I needed to pay. Theyve been calling none stop for the past few weeks with different numbers.That account is very old & doesnt make sense how Id owe money now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation