vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 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: IN

Complaint narrative:
Since XXXX Equifax had my birthday incorrect I have tried with the Consumer Protection Agency FTC an attorney general 's office to have them change it and it never happened look in your files you have it on file. The response to my dispute was always the same I would have to furnish them the information that I've already furnished to the consumer protection agency and that I did not trust them what's a realize it is since XXXX my birthday was incorrect I wrote them a letter indicating that here is my information and I gave them my information they finally have changed my birthday and made it correct as of XX/XX/XXXX but I have formed them it is me of legal right for me to be able to get access to the information that they were holding against me I want to know in the name of the company is XXXX XXXX XXXX they're the ones who provided the information to Equifax in XXXX and my birthday was the wrong day I want all the information in that file where all that came from I want anything  pertaining to that since it took me until this long and I have been denied loans credit cards and everything else you can think of. I have had identity theft and I have let them know now mailed a letter stating that I wanted a copy of any information they provide me related to the issue of my birthday being incorrect has not received any mail a letter a phone call nothing I've been working on this for at least three years I did not know that this was since XXXX and I want this information and I believe it is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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:
As previously notified, I am a victim of identity theft, please see attached requested documents for the 2nd time

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 2020-08-26 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:
As previously notified, I am a victim of identity theft, please see attached requested documents for the 2nd time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
To whom it may Concern : I spoke with XXXX with M & T Bank on XX/XX/XXXX at XXXX thru the customer support line. He informed me that I needed to write a letter and fax it in regarding my concern and solution to fix my credit reporting. 
In XX/XX/XXXX, I was diagnosed with XXXX XXXX XXXX XXXX and forgot to pay my mortgage. In XX/XX/XXXX I started my treatment and my focus was on my health forgetting to pay my mortgage once again. My wife in XXXX took over paying all the bills which were my responsibility. In XX/XX/XXXX, she made a double payment to make us current. Not realizing we needed to make three payments to bring use current. At no time was I contacted by the mortgage company to inform us that we were behind. In XX/XX/XXXX, my wife went online and noticed we were still a payment behind and made a second payment on the XX/XX/XXXX. 
This week, I took the bills back over and tried to figure out what had happened. I am now writing this letter to ask for my credit report to be amended and show payments were made on time from XX/XX/XXXX to XX/XX/XXXX. My suggested solution is two part. First part, would be to make an additional payment ( {$1000.00} ) or make a payment in the amount of the fees ( {$690.00} ) on XX/XX/XXXX. Second part, would be to set-up an automatic bill payment though M & T Bank on the XXXX of each month to ensure no late payments in the future. In return M & T Bank would report to all credit bureaus that all payments from XX/XX/XXXX to current are all made on time and current and provide a letter stating so. 
If, this solution is not sufficient or you have questions or concerns please feel free to contact me on my cell phone at any time to discuss. 
After sending this letter on XXXX, XXXX, XXXX. I was informed on XX/XX/XXXX that no such department existed with M & T Bank and that it was my fault for not finding the mistake earlier. I was given the option to fall behind on my mortgage and then they could fix the reporting. I also received a letter XX/XX/XXXX stating that it is not their policy to fix reporting errors. 
If you have any questions, concerns or more documentation please contact me via email ( 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 2020-08-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a loan with DSNB MACYS, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DSNB MACYS,  XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-26 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I have a loan with XXXX XXXX, GM FINANCIAL, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, GM FINANCIAL, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a loan with XXXX XXXX, XXXX XXXX, and CAPITAL ONE. I have always made my payments on time. As you can see,  I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and CAPITAL ONE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: CA

Complaint narrative:
I have sent multiple letters to Experian to get this inaccurate information corrected with no success to update the incorrect information on my credit file. 

Credit Bureaus are defamation my file, FCRA Section 623 And Reporting that they use is from XXXX to report the Bankruptcy ( which is a third party ) which is in violation of the FCRA. 

XXXX has no bankruptcy on my file yet Experian continues to report that information is correct from XXXX which 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 2020-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for a Barclayus credit card on XX/XX/2020 in order to purchase ( online, due to Covid ) an XXXX  XXXX, XXXX  XXXX  and XXXX XXXX  for work. Total dollar amount of the order was {$1000.00}. The order was placed on XX/XX/2020 and shipped on various dates/locations due to stocking locations and other limitations ( covid related, surely ). XXXX has a deal in place to receive interest free financing on items purchased, contingent on the dollar amount purchased. The financing on the Barclay terms were for 18 month interest free financing for amounts over {$990.00}. Now, Barclay is indicating I have a part of my purchases whereby the interest free portion is expiring in XXXX ( 6 months from the date of a few of the items ). I spoke to XXXX, the manager at Barclayus.com today and he indicated that because the items were shipped on different days, the terms for each shipment impacted the financing. However, the attached contract terms ( printed on the day I applied for the card ) indicated otherwise : that all orders " made within the first 30 days '' are eligible for the terms. Barclay is saying this is the fault of XXXX : it is clearly not as the Barclay terms outline clearly what should happen. This appears to be a case of bait and switch.

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 2020-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
Paid All-state Credit Bureau on XX/XX/2020 XXXX in full still saying unpaid. Filing a complaint against this company. Its illegal for a collection agency to collect and the collection was paid. Especially when it was never the original creditor that I owed debt to. Also this would've never been paid if I didnt need this to be paid to get the mortgage on my home. I've sent a letter to the Attorney General Office for further investigation on this company. I've put in multiple complaints with this company and CFPB has not did anything or investigate this company at all. I will keep filing complaints until this matter is resolved and removed off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I get a monthly XXXX XXXX XXXX check direct deposited into my wells fargo account from XXXX XXXX. I had already received one for may and XXXX. Well XX/XX/XXXX it went to wrong account. XXXX said i changed it online but when EFT was set up i submitted a form. I have a copy but they will not provide me anything with my signature changing it to an account number thati was not mine. I dont kniw it. Now XXXX sees the mistake but neither will correct it. {$640000.00} went into an account and they see it was withdrawn. I have received XXXX but I can not get XXXX because neither will do whats needed. So a electronic check with my name but not my account number. Wells fargo will not correct. I keep calling and getting transfered andexcuses. Obvious mistake but unwilling to correct. 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 explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
This is a complaint regarding debt to XXXX for Internet services. After I already made payment plans with XXXX itself, I received a collection letter from Sunrise Credit Service , Inc. 

The amount is false, for, in my deal with XXXX, it would be reduced after returning the equipment.

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 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
On XX/XX/XXXX ChexSystems mailed me my consumer report which details a Suspected Fraud Activity ; Any Amounts Owed Have Been Paid Report on my account by XXXX XXXX XXXX. I believe that this report should not appear on my consumer report and lead to adverse effects on my future opening of bank accounts at other financial institutions because the fraudulent activity was reported to and dealt with XXXX XXXX XXXX in a timely manner. 

When this fraud activity occurred, I spoke with a XXXX XXXX XXXX XXXXraud specialist, explained my case in order to put them into full light of what had occurred and why I felt my account wasnt safe. Along the lines of this fraudulent activity I had noticed similar activity in another bank of account of mine which led me to a conclusion that identity theft had become the leading factor. 

Anyways, XXXX XX/XX/XXXX XXXX XXXX XXXX mailed me a letter of their decision to close my checking account in which the fraudulent activity had occurred. They even mailed me a check with the balance that remained in my account after they investigated and dealt fraudulent deposit. At this point I thought I was fine, that the risk of identity theft was mitigated and the account was closed. It was until recently that I tried opening another checking account and found out that the bank closed the account after looking at my consumer report. 

Why ChexSystems, should this suspected fraudulent activity report, that appears as Settled in Full, be appearing on my consumer report at this point in time?

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 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MA

Complaint narrative:
ACCOUNT WAS PAID OFF AND I WAS TOLD THAT IT WOULD BE DELETED! PLEASE HELP! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX   for code of ethics violations.

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 2020-08-26 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: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are really affecting my Credit standing and a chance of getting a card approval. 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? Please help me out. 

-XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX Account Number : 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 2020-08-26 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: NC

Complaint narrative:
Equifax was asked to investigate an entry on my credit file. The results have continuously been that the entry has been verified with a third-party. I contacted the third-party ( XXXX XXXX ) and they stated that they could not validate this entry so therefore XXXX XXXX deleted the entry from their files. Equifax was sent a copy of the response that I received from XXXX XXXX several times. Entry was disputed again and the response was that Equifax verified the information through the court system. I contacted the court system listed and they stated that they do not verify this type of information. The court system response has been sent to Equifax as well. The last request that I had was for Equifax to send all documents that they had in their file that validated the entry on my report whether it be the court system or XXXX XXXX. The response that I recieved was that the entry had been validated yet again by a third-party ( XXXX XXXX ) but there were no related documents furnished to support this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was banking with citi bank for over 17 years ... I recieved a settlement from the 9/11 compensation fund ... I gave them a copy of the award letter they also filed out the ach payment form, before I received the money ... they said I got the money thru fraud, which I didn't do, I have my award letter which I gave them..now they said I have to wait 90 days..I don't have no money or food to feed my daughter..what they doing is not right..I think I'm being XXXX profile

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