vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 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: Atlanticus Services Corporation
State: CT

Complaint narrative:
I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX/ATLS/FORTIVA is the company that is reporting this to XXXX and XXXX. As well as XXXX XXXX XXXX  is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I BORROWED FROM XXXX XXXX ON XX/XX/21 ( LOAN CLOSING DATE ) AND I REFINANCED ON XX/XX/21 WITH XXXX XXXX XXXX. AS A RESULT, PAYOFF WAS RECEIVED FROM XXXX AND PAID OFF THIS LOAN. HOWEVER, XXXX TRANSFER THIS LOAN TO PHH MORTGAGE SOMETIME IN XXXX. I AM RECEIVING COLLECTION /FORCLOSURE LETTERS/CALLS FROM PHH SINCE THAN . I CONTACTED XXXXPHH SEVERAL TIMES AND PROVIDED EVIDANCE THAT IT HAS BEEN PAID OFF. I CONTACTED TITLE COMPANY AS WELL TO SEE IF THEY CAN DO SOMETHING ABOUT IT BUT I AM GETTING NO WHERE. I AM PAYING MY MORTGAGE ON TIME TO XXXX SINCE XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: CT

Complaint narrative:
I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to XXXX and Transunion. As well as XXXX XXXX XXXX  is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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
Consumer complaint received 2021-11-11 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: FL

Complaint narrative:
I have an account on my credit report that is reporting incorrect information that has been withholding me from seeking new lines of credit. I have indeed disputed this account with XXXX on multiple occasions such as XX/XX/2021 & XX/XX/2021 amongst other dates. The account is from XXXX XXXX and the payment history reporting is indeed incorrect on this account along with an incorrect balance. Since I've sent the dispute letters on XX/XX/2021 & XX/XX/2021, I did not receive a response from XXXX within 30 days as required by law. According to federal credit laws that are stated in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they indeed do not respond within this time frame, they must remove the negative listing disputed. Attached below are the certified mail certificates showing proof of my disputes. I have tried relentlessly to remove and correct these erroneous accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.

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
Consumer complaint received 2021-11-11 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: FL

Complaint narrative:
Equifax REFUSES to remove inaccurate information on bankruptcy. This item is still being reported incorrectly and is extremely detrimental to me. Also Equifax is the ONLY credit bureau that is reporting this inaccurate information that they can verify through the courts. 
This has caused me emotional and financial hardship because XXXX does not want to act in accordance with the Fair Credit Reporting Act, XXXX XXXX. 
I have requested that the inaccurate information of : Chapter XXXX XXXX be verified by including : 1. Names of individuals you contacted for verification 2. Their addresses 3. Phone number I need to have this certification so that I can check it as well. If Equifax can not furnish those items requested then they must remove them according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: CA

Complaint narrative:
I have a hard inquiry from XXXX XXXX showing on my Equifax credit report that was from an account opened via identity theft. The account has been closed and taken off of my credit report by all 3 bureaus, yet Equifax has not removed the hard inquiry from this XXXX credit card that is still showing on my report. I already submitted all of the documents asked for by Equifax via mail in order for them to complete the blocking of accounts that were a result of identity theft. They removed the account but not the hard inquiry. Please have this item removed, as you can clearly see that I did not contract with XXXX and I do not consent to this information being shown on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
This company has violated and continues to violate me and use manipulative tactics. I have called and mailed them and they have continued to do illegal activities and have not shown no remorse for their illegal tactics. I recently invoked my rights as a consumer and sent a cease and desist to Affirm to desist all illegal activity and stop all communication with me Pursuant to 15 USC 1692c ( c ) and the company has continued to communicate to me, even through third parties. This company also has violated federal law by saying that I owe an alleged debt and I as the consumer have demanded to stop illegally reporting on my credit report and they denied to stop reporting negative information when I the consumer have the right to what is furnished on my reports. I, the consumer have said a MULTIPLE of times that I DO NOT OWE THIS ALLEGED DEBT, they then emailed me and accused me again of this alleged debt violating 15 USC 1692b ( 2 ) while even saying that sometimes they miss information Which I can prove with exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I was approved for an Apple Mastercard and now have an account open with them through Goldman Sachs Bank. They are refusing to give me a physical card to use for purchases. I do not even have access to the account number nor credit card number. They told me that I have to PURCHASE an XXXX XXXX in order to use my credit, and the only way to receive a physical card is to put in a request through their XXXX app on the XXXX. There is no way for me to use the " card '' or account without first purchasing a $ XXXX XXXX XXXX device. This is unacceptable, and they simply can not get away with such a discriminatory practice. I am shocked that they are allowed to OPENLY DISCRIMINATE against anyone who uses XXXX  for their mobile device.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CAPITAL ACCOUNTS is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: MS

Complaint narrative:
I noticed a debt charge off from a company called Americollect on my credit. I contacted the company via chat. They are giving the name of a XXXX XXXX I am unaware of. They also could not verify my social, only my date of birth. Despite having the address listed on my insurance the letters were sent to an XXXX XXXX address that was not provided by the Americollect employee. I have received no calls, or no letters regarding the debt. I have lived at my current address for 4 years, my insurance is billed using my current address which is XXXX XXXX XXXX XXXX. My dad lives on XXXX XXXX and has the same name as me. Simply verifying my date if birth is not adequate. My father 's credit report has often times been crossed with mine. Americollect did not give me notice of the debt, my dad has not received a letter and we have received no calls. Furthermore ONE letter isn't enough notice to dispute or pay a XXXX dollar debt before reporting it to my credit. I can find no balance owed on my insurance as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form 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 CHRYSLERCAP Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TN

Complaint narrative:
I have disputed this inaccuracy and the lack of reporting of this account with the creditor and the credit reporting agencies and sadly more incorrect information is now being reported. I currently have a CFPB case open with XXXX XXXX that they have not even acknowledged and a complaint with the XXXX. I have tried to call the creditor to resolve the issue several times though out the year and have been laughed at as I explained that everything was related to XXXX XXXX including the direct lose of my father. I have been hung up and on hold for upwards of 2 hours and transferred and the line disconnected. I have provided documentation showing that the credit reporting agencies were reporting inaccurate information on my reports and instead of investigating and fixing the problem they go in and report even more wrong information. Since the creditor and the credit reporting agencies refuse resolve the matter, or have any empathy at all. I am left with no other choice, I have gone ahead retained an attorney to represent me as it relates to this account. The violations of FDCPA ( harassing and threating calls and documented conversations I received at all hours of the day and night, which my cell phone records, voice mails documentation and show ) that took place during the term of this account and the continue inaccuracy and lack of proper investigation from the credit reporting agency. Is the main reason why I will be moving forward and filing the law suit. I have also filed a complaint with the state attorney generals office as it relates to this account so that they can conduct there own investigation with XXXX XXXX and the credit reporting agencies as it relates to this account I personally feel like I have tried everything to resolve this situation on my end and have even explained how this account was related to XXXX XXXX and that there own employees seem to find joy in laughing as I explained that my father had passed due the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I need to escalate this issue to you because its been a month since I made an international wire transfer for {$5000.00} US Dollars through Citibank online system and the money was not sent nor received but it was deducted from my account. 

I did the transfer because I just had a XXXX XXXX 5 months ago and need to send money to my daughters. It was from my checking account that I have for more than 25 years to another account under my name I have in XXXX XXXX  in XXXX. 

I know is an internal problem in Citi because of their NEW PRODUCT to send in local currency. I made the same wire transfer to the same account and the same bank on XXXX for {$3000.00} there was no problem at that time. 

Then on XXXX, I did the wire subject of this complain for {$5000.00} US Dollars. Citibank offered a NEW product with no commission online if it was sent in pesos, I agreed because I wanted to save money. It was made exactly to the same bank and the same account of the previous transfer I would never imagine the nightmare and that it was going to be even more costly because I can not use my {$5000.00} here or there for more than a month!!. 

After several calls to the international wire transfer customer service XXXX ( waiting more than an hour on each call ), they stated that my bank in XXXX did not accept the transfer. I spoke with the CEO of that bank in XXXX and they said they can not receive it because Citi sent it to another account in XXXX, a subsidiary of Citi in XXXX. 

After trying to solve the issue over different instances with no success they offered me the refund. I accepted the refund and they promised to do whitin a week. Its been now ONE MONTH and I do not have access to my money. 

I request the immediate refund of {$5000.00} ( XXXX XXXX DOLLARS XXXX  ) which is the money they subtracted from my account. I should not be penalized for their internal problems in accounts and promises they can not fulfill. 

I need the entire amount and no lees than {$5000.00} dollars because any costs for unsuccessful exchange rates are not my fault but their incapacity to fulfill the products their offer. 

As you can probably imagine the trouble that is to live over a XXXX XXXX I urgently need my money back. After 25 years of being a customer now I seriously question the ability of Citi to solve customer issues.

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 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am filing on behalf of a claim I have tried to submit through bank of america fraud beginning on XX/XX/2021. Attached is the letter I most recently sent on behalf of my claim and was denied. 

A company or person purchased products throughout XXXX XXXX XXXX and my bank account in total of {$1600.00}, several purchases were sent to my house as a decoy to the total spent. I DID NOT PURCHASE THESE AND NEVER AUTHORIZED THEM. There were 6 purchases in a row that were not flagged by bank of america. I have tried to submit this claim 3 times and get NO WHERE. Please see the attatched letter for all information.

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 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. SYSTEMS PUT A {$1400.00} COLLECTION ON MY CREDIT REPORT SENDING IT DOWN 70 POINTS. 
THIS COLLECTION WAS FROM A SCAM MEDICAL FROM THE XXXX XXXX. 
I DO NOT OWE THIS AMOUNT AND IF I HAD MEDICAL WORK IT WAS PAID BY MY INSURANCE AND I DON'T GET {$1400.00} OUT OF POCKET BILLS.

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 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NE

Complaint narrative:
I discovered a collections account on my XXXX credit report and I didn't recognize it. The amount reported is {$3900.00} opened on XX/XX/2021. The reporting agency is shown as CENTRAL PORTFOLIO CONTROL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX My 1st response was disputing this account, as I've no knowledge of it and its not mine. The resolution was not in my favor so I further researched this agency and contacted on XX/XX/2021. 

I contacted via : Website communication XXXX XXXX XXXX  Personal email to XXXX A response was given to my correspondence via website but not to my communication attempt via personal email, which contained more verifying information than I provided on their website. 

Their response : Hello, We are more than happy to help you out, but we are restricted to share information via email without verifying some information and capturing your consent over the phone. For further assistance please contact our compliance department at XXXX or XXXX Thank you XXXX XXXX XXXX XXXX XXXX Central Portfolio Control Inc . 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX Direct : XXXX Toll Free : XXXX Fax : XXXX Email : XXXX I called both numbers provided and it went to a voice-mail that stated it's belonging to this XXXX XXXX XXXX I left a message and a return call was incoming within moments from a different number than that provided. As I'm unable to verify the validity of this agency and person from an inbound call our communication was limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: NH

Complaint narrative:
These accounts don't belong to me. Please remove them form 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 JPMCB CARD Account Number : XXXX This is not mine. 

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

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

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

Company response to consumer: Closed with explanation