vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 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: IL

Complaint narrative:
I've disputed with XXXX XXXX, and Experian incorrect data that each are reporting on my credit bureau. Each company is reporting that my mortgage with XXXX mortgage is closed, and auto loan with XXXX XXXX XXXX is closed and being paid through a chapter XXXX plan agreement. I've submitted to all 3 bureaus schedule C documents showing the 2 accounts were filed as exempt, also my chapter XXXX plan of which I the debtor was paying the accounts directly, and not through a wage payment plan through chapter XXXX. I also submitted bank statements showing proof of those deduction coming from the creditors. I learned from contacting each creditor that they were reporting to the 3 credit bureaus that my account was paid on time, and as agreed. I stated in my dispute that I wanted the incorrect data removed from my account since they are failing to report my account accurately. I notified the 3 credit bureaus that bankruptcy courts does not report to credit agencies and submitted documents supporting my disputes. The inaccurate information is causing severe hardship, and I ask that those companies update my report with accurate reporting, or remove the inaccurate data. ASAP.

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 2021-08-04 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: BAS Receivable Management Inc.
State: CO

Complaint narrative:
I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains on XXXX  and XXXX. Please help me resolve this issue as it should not have been on my report to begin with.

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 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2021 a deposit was made into into the Bank 's ATM machine. The bank reversed this deposit stating that they could not deposit the check because another name ( my wife 's name ) was listed on the check. 

During that time, we incurred several overdraft fees. We went into the branch where the atm deposit happened and the bank gave us the check back and stated that they would refund all overdraft fees once we cashed the check at another bank and brought the cash back. 

My wife is also a customer of this bank and myself. We both have personal accounts, we asked could we cash the check in the branch and were told no. 

We were then told to cash the check where the check originally came from, which just so happened to be that bank. We were still told we could not cash it at the branch. 

On XX/XX/2021, we had a deposit go into the account. The bank only refunded 3 charges, even though due to their error we incurred 7 charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
on XX/XX/2021, i sent RENT RECOVERY SOLUTIONS, LLC my first letter asking for the validity of the debt about a alleged balance of XXXX $ that i dont owe. they never responded so i sent another letter on XX/XX/2021 asking for more information that they never provided to me the first time.this tradeline is inaccurate and needs to be deleted from my credit report. I sent both letters off USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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 have repeatedly disputed these accounts with the credit reporting agencies and have notified them if this information is not removed in 14 days my attorney will be filing a formal federal lawsuit regarding this matter. 

Account in question : XXXX XXXX XXXX Last reported XX/XX/2021 {$5800.00} Open balance XXXX XXXX XXXX Original creditor

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 2021-08-04 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. These creditors reported as collection accounts. These companies are XXXX, XXXX XXXX XXXX, XXXX, and Citibank. I am asking for these companies to remove those accounts because they are incorrect.

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 2021-08-04 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
All of the following accounts are fraud. I did not open these accounts nor authorize anyone to open these accounts in my name. I have a suspicion that my ex-husband and his acquaintances are the ones who fraudulently opened these accounts : - Ally Financial - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX - XXXX XXXX I have attached an ID Theft affidavit packet and police report.

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 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I bought a ticket ( amount of {$3500.00} ) for a festival in XXXX XXXX expected to hold on XXXX XXXX from a company called XXXX using my Citibank debit card on XX/XX/2021. The organizer of event canceled the event on XX/XX/XXXX due to COVID-19 pandemic and promised to refund. I applied for the refund on XX/XX/XXXX but alas, the merchant XXXX refused to refund till date. 
I contacted Citibank of the issue and provided all the documentations to back up my dispute. I provided letter showing events was canceled, email exchanges with the merchant promising to refund but didnt ( all evidence attached ) and asked Citibank to investigate the matter and help recover money from merchant since I used my Citibank debit card. 
It is with disappointment that I received a letter from Citibank dated XX/XX/XXXX ( attached ) that they are unable to investigate the dispute because too much time has passed and they encourage me to seek the refund directly from the merchant. I consider this lazy and ridiculous despite providing all evidence to Citibank that merchant was deliberately holding the funds and not trying to repay, despite canceling the event. 
I am very sad being treated in this manner despite being a Citi customer for 11 years. I even contacted my Citibank relationship manager, XXXX XXXX, to intervene in the matter with no luck. This transaction is supposed to be the easiest to resolve since the merchant canceled the event and promised to refund.

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 2021-08-04 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: CA

Complaint narrative:
I have repeatedly disputed these accounts with the credit reporting agencies and have notified them if this information is not removed in 14 days my attorney will be filing a formal federal lawsuit regarding this matter. 

Account in question : XXXX XXXX XXXX Last reported XX/XX/2021 {$5800.00} Open balance XXXX XXXX XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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:
I have repeatedly disputed these accounts with the credit reporting agencies and have notified them if this information is not removed in 14 days my attorney will be filing a formal federal lawsuit regarding this matter. 

Account in question : XXXX XXXX XXXX Last reported XX/XX/2021 {$5800.00} Open balance XXXX XXXX XXXX Original creditor

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 2021-08-04 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
hi, my name is XXXX XXXX, I was applying for a refinance loan for my vehicle with a company called ALLY XXXX and this company did a 4th time inquiry check on my credit when it must have been one time and not four, this is affecting my credit in a really wrong way, I tried to communicate with the company and they didn't give me any answer.

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 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
upon checking my report I noticed some accounts that I did not authorize

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 2021-08-04 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
on XX/XX/2021, i sent JEFFERSON CAPITAL SYSTEMS , LLC a letter about a alleged debt of XXXX that i don't owe.i requested the validity of the debt but never received anything from them so i sent them another letter on XX/XX/2021 requesting more information about this inaccurate item that is being reported on my credit.I sent them XXXX certified mail on both occassion. ( XXXX ) XXXX XXXX XXXX XXXX XXXX ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have provided letters to XXXX, XXXX  and Equifax requesting that they provide me with proof of this alleged item, specifically the contract, note or other instrument bearing my signature. However they have fail to honor my request and they are also Violating the FDCPA 807. False or misleading representations. with the information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: World Acceptance Corporation
State: LA

Complaint narrative:
Investigation took more than 30 days, and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
I had an existing account with HSBC and got the following promotion, which was completed monthly for 6+ months. Only 1x {$15.00} credit shows in the account each month. I have contacted HSBC 2 times via the customer messaging system and have not heard back any response. 


Starting XX/XX/2021 you can earn up to {$180.00} over the next six consecutive calendar months by simply using HSBC for your everyday banking. Offer ends XX/XX/2021. 
How it works. 
Earn {$15.00} per month when you Make 10 new purchases per month using your eligible HSBC Mastercard card ( s ) and/or Earn another {$15.00} per month when you Pay 3 bills per month using HSBC 's Bill Pay Keep up the good work and earn up to {$180.00} over six months The Card Offer and/or Bill Pay Offer will be automatically credited to your HSBC Premier checking accou
nt approximately eight weeks after meeting that month 's qualifying activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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:
All of the following accounts are fraud. I did not open these accounts nor authorize anyone to open these accounts in my name. I have a suspicion that my ex-husband and his acquaintances are the ones who fraudulently opened these accounts : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - Jpmcb - XXXX  XXXX I have attached an ID Theft affidavit packet and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
All of the following accounts are fraud. I did not open these accounts nor authorize anyone to open these accounts in my name. I have a suspicion that my ex-husband and his acquaintances are the ones who fraudulently opened these accounts : - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX - Capital One I have attached an ID Theft affidavit packet and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I booked a XXXX rental car reservation through XXXX. 

A few days prior to the rental date, I called XXXX to confirm car and pickup location. I XXXX  XXXX XXXX #, and called the 1st number ( and have a screenshot ). The person answering the phone said he was with XXXX, I confirmed my name and he gave me the specifics of my reservation ( location pickup, # of days, and cost ). He said that I had a reservation, but not a confirmation because I had not paid for the rental. 

I explained that the car was not to be paid until I picked it up. The person told me that it was likely that I would not have a car when I arrived, because it had not been paid and there was a shortage of cars. I was told that I could confirm the rental car with a XXXX payment, but could not use a credit card. 

On multiple times, I questioned that this was not my experience with XXXX. He said XXXX changed its policy. I asked him to confirm my XXXX loyalty number, what office he was working in and to speak to his manager. I was on the phone with him for 39 minutes ( approximately half the time my husband was also on the call ). ( See screen pic ) As instructed, I transferred {$900.00} by XXXX on XX/XX/XXXX to XXXX XXXX, and was told she was in the finance department. We immediately called JPMorgan Chase, to ask for a stop on the XXXX payment. They explained it was an immediate payment and it was likely that they would not be to stop the transfer. As of today, the recipient has not yet registered with XXXX and claimed the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04 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: TX

Complaint narrative:
I have contacted TransUnion on several occasions to explain to them the accounts showing on. my credit report are inaccurate, they failed to respond in 30 days and I have attempted over 3 times to have these accounts removed. They couldn't verify the accounts were mine, I submitted a letter of debt verification to the alleged companies stating I owe them and even the companies failed to respond. These accounts have been showing on my report negatively for months I tried to be patient however they are very disrespectful of my time. It seems like they are robots and do not care personally how this is effecting my ability to obtain housing, financing or jobs. As indicated by the attached copies of letters and mailing receipts, they have received and accepted through registered mail my dispute letter dated XX/XX/XXXX, XXXX accounts are listed below each time I've requested this inaccurate information to be removed they ignored my request. 
On XX/XX/2021 I received a copy of my credit report from TransUnion, which is 1 : outside of the 30 days to report or remove inaccurate information and for 2 : proof that they can not validate this debt and instead of having it removed they decided to further delay and buy themselves more time. They are utterly wrong and it's very disturbing to deal with such a major company and they treat you so poorly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
i paid my XXXX pymt on XX/XX/XXXX in the amount of {$380.00} like i do every month. they have not given me credit for this payment however. check has cleared the bank. also they r showing that i have an escrow balance of $ XXXX. i dont even have an escrow account with them.

Company response to consumer: Closed with explanation