vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-04 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: CITIBANK, N.A.
State: TX

Complaint narrative:
a. I fully paid off all my charges in XX/XX/2018 for my Citibank AAvantage Card. 

b. I called in XXXX to close the account and was assured by the agent I spoke with that I did not owe anything including the annual membership fee. 

c. At the end of XXXX, I received an email stating that my account was past due and I owed over {$600.00} due to the annual fee remaining on the account and accruing interest and late fees. I had not been receiving statements since we moved to XXXX and assumed the account was closed after the phone call in XXXX. 

d. After numerous lengthy phone calls, which culminated with Citibank reviewing the audio transcript of my XXXX call with the agent to close the account, Citibank acknowledged the error and removed the annual fee, all the late charges and interest. 

e. Now I am trying to purchase a new home and the only blemish on both my wife and my credit reports is this issue that was reported by Citibank as the account being 90 days past due. This has dropped our scores significantly from a 30 year unblemished history. 

f. I have requested that all the adverse reporting be removed, but several weeks later after multiple phone calls nothing has happened. Several of the agents that I have spoken with have admitted the Citi error. I'm sure these calls were recorded I am a XXXX  veteran with four tours in XXXX and my wife is also a veteran. Between the two of us, we have nearly 50 years of service and this is the first time we have had negative items on our credit report. 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 explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I ordered my credit report in XX/XX/XXXX, and looking on it I found a credit item that I didnt recognize, so I tried reaching out to them which is called XXXX XXXX and ask for verification of the debt, I spoke with someone on the phone and they said they would send something out, I never received anything, so then I sent in a letter requesting the information on XX/XX/XXXX via certified mail, Still I havent received anything yet So I tried to dispute with Experian twice and they keep sending the report back as accurate, without showing me how they verified it, I asked to see something with my signature or a canceled check stating it is mine, and they are refusing to prove the debt 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 2019-06-04 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: CFS Holdings, Inc
State: TX

Complaint narrative:
I received my Credit Report from all 3 credit bureaus, & a Inquiry is showing for CONFIDENT FINL SLTNS/W on XX/XX/XXXX & XX/XX/XXXX. It is showing that someone tried to apply for a credit card from CONFIDENT FINL SLTNS/ using my identity. I have never tried to apply for a credit card from any company as I have no effort and do not wish to have credit cards.Also I am victim of fraud and are taking the necessary steps to resolved this matter as well. I have called CONFIDENT FINL SLTNS and explaining that this was fraudulent and have spoken with several representatives but have not been successful of getting this Inquiry removed.This mark is very damaging to my credit and I have no knowledge of this, and will like to have this removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2019 and XX/XX/2019, XXXX XXXX XXXX XXXX pulled my credit check or whatever, I never spoke with them or gave them permission to do so. I called the company and asked how could they do that and how they got my information to do and wanted to dispute it and was told to dispute it with the credit agencies. There was also checking account inquiries recently that I did not do, I don't know with what banks, credit report says last one was 17 days ago and I haven't inquired since I started banking with XXXX XXXX sometime around 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 2019-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Mortgage Service Company
State: TN

Complaint narrative:
Hello, My husband and I are sellers of a property XXXX XXXX XXXX, XXXX, KY. The buyer of my property was XXXX XXXX. She was going through American Mortgage Services Co for a loan. The loan officer working on the loan was XXXX XXXX. On around XX/XX/XXXX ish we entered into a accepted offer contract and agreed that the home would be sold within the 60 day timeframe that was given. It has been over 60 days since the we have accepted the offer. XXXX XXXX continues to avoid calls, and delay this lending process. Not only do I believe she is discriminating against this young woman because she is XXXX, but also she is XXXX, she is single and has a ton of kids and receives child support. If the loan office could not process the loan because of income or debt issues Ms. XXXX should deny the loan so we can put the house on the market. But instead she is dragging out the process and not returning our realtors calls. It is costing us money because we do not live in the house and now are paying two mortgages and utilities. Just last week ( XX/XX/XXXX ) she said to give her 3 business days to have an answer on if the appraisal will be ordered. It is XX/XX/XXXX, and she is not returning my realtor 's calls. This is not outside of fair lending regulations and I would like this process to be reviewed for banking compliance laws. 

My name is XXXX XXXX. My husband 's name is XXXX XXXX XXXX / XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: MI

Complaint narrative:
My Background Check through First Advantage shows 3 eviction notices from XXXX XXXX. 
I was never evicted. I had two slow pays but paid in full and was never evicted. 
This reporting is preventing me from getting a roof over my head. 
This is unacceptable. 
XXXX is the number to First Advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information was used to obtain two different loans one from XXXX XXXX and XXXX XXXX XXXX. I have mailed in documentation to the financial institutions denial of financial responsibility forms signed by a notary. The companies have not stopped harassing me and they want me to pay for something associated with fraud. I have requested a contract with a signature that belongs to me and they have yet to produce one whatsoever. I have mailed to them proof that the debt and loan does not belong to me and they have not produced any validation of any agreement that verifies I have any loan or promise to pay XXXX XXXX or XXXX XXXX XXXX any financial responsibility.

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 2019-06-04 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: MS

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX  XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called XXXX XXXX   and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX  have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Current Balance {$670.00}. I attempted to make a payment of {$550.00}. Credit card company stated that I would not be able to use my card for 3 months after making the payment. Contacted XX/XX/2019 to have matter resolved. Credit Card company did not resolve matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: MO

Complaint narrative:
I received a notice in the mail from MRS BPO , LLC, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX that I had a past due debt from XX/XX/2018 in the amount of {$27.00} for a XXXX account charge. I do not have a XXXX account and did not purchase anything through XXXX. 

I have a high credit rating. Per my XXXX account, there is no past due debt and there are no collection actions being taken. 

I read online of other complaints from people similar tomine about this collection agency stating that they had not made purchases and did not owe money. I called XXXX and they did not seem concerned that this company is using them to scam people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2019, I received a notification from my credit card company ( with which I have credit monitoring services ) that there was an inquiry on my credit report. The inquiry was fraudulent, so I ( 1 ) put a fraud alert on my credit report through Equifax and ( 2 ) filed a report with the FTC detailing the identity theft. Under the Fair Credit Reporting Act, Equifax had an affirmative duty to report the fraud alert to both XXXX and XXXX, so I did not place a fraud alert on my credit report with either of those other two credit reporting agencies. I also received an email confirmation from Equifax on XX/XX/2019 stating that a fraud alert was successfully added to my credit report. About three weeks later, on XX/XX/2019 and XX/XX/2019, I received additional notifications that, as of the date of this report, nine more fraudulent inquiries were made to my credit report through both XXXX  and XXXX. I received no notifications from either company like I thought I would with a fraud alert set up. On XX/XX/2019, I called XXXX  to inquire about the fraudulent inquiries. The XXXX   representative I spoke to said that there was no fraud alert on my credit report and that XXXX   had not received notification from Equifax that I added a fraud alert. I also called XXXX on XX/XX/2019, but was unable to reach a representative there XXXX although I left a voicemail for a representative and am awaiting a return call ). I then pulled copies of all three of my credit reports -- one from Equifax, one from XXXX, and one from XXXX on XX/XX/2019. The Equifax credit report and XXXX   credit report noted my fraud alert ; however, no fraud alert was noted on my XXXX credit report. The following day, on XX/XX/2019, I called Equifax. The Equifax representative I spoke to stated that I had an active fraud alert and that the fraud alert " should have '' been reported to both XXXX   and XXXX because supposedly Equifax 's system automatically sends the fraud alert to the other two companies when a fraud alert was entered. When I told her that a XXXX  representative told me there was no reported fraud alert, she could not explain what happened or how it would be possible for my fraud alert to not be communicated to XXXX. Although I understand that if the fraud alert had been accurately reported to XXXX in midXXXX 2019 it might not have prevented the identity theft going forward ; however, because five of the fraudulent inquiries were reported through XXXX, perhaps some of them would not have gone through if the fraud alert had been in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
On XX/XX/XXXX of 2019 I received a letter from ERC collections saying that I own {$1200.00} to XXXX XXXX. 

I called XXXX XXXX to verify the account number on the collection letter, XXXX, but they would verify the debt as the SSN and Phone numbers ( mine ) Didn't match the account. 

I went to ERC 's site to enter the account number and 'last 4 ' of SSN to look at the 'account ' but they to do not have the correct SSN. Further there is not way to pay the bill on paper. I question if the whole situation is fraudulent. 
At this point I do not understand how : 1 ) XXXX  XXXX  allowed an account to be opened against my name without i-Matching SSN ii-Form of Payment iii-Validation of My name against address on file 2 ) The collection agency is linking my name to an account with a different SSN on file Police Report File with XXXX Police Department, XXXX Ohio : XXXX I already have a fraud alert in place as this has happened recently with another company, XXXX, where a fraudulent cable account was created in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My father passed away XX/XX/2019, my father had a money market account with capital one 360. She came into the bank in XX/XX/2019 with a fraudulent death certificate that she lied on she put down she was his wife. Showed them the death certificate and his drivers license that she took and the bank gave her a cashiers check with an undisclosed amount. When i asked them about why I spoke to XXXX, she stated that because she was a joint owner of my dads bank account they gave her the money. There was no POD or beneficiary noted on the money market account. I told them that it should of went to probate or next of kin not her. again they stated that because there was no one else and she was on his other account as a joint owner gave it to her. I am so upset because it was in his name only and she walks in with a death certificate that she lied about is not right. It should of went to probate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sold my home XX/XX/2018. It was a conventional sale. The payoff letter sent to the title company by the USDA stated the total payoff amount was {$100.00}, XXXX as of XX/XX/2018. There is no mention of a " short sale ''. The USDA reported this account as delinquent until XX/XX/2018.  Additionally, it is listed as " settled for less than owed ''. This is not the case. All documents show the amount was paid in full, the title company even sent me the verification that the USDA received the cashier check for the full amount on XX/XX/2018. I am now unable to purchase a home. XX/XX/XXXX fixed the date of the sale, but not the fact that it was not a short sale. I have now disputed this account with all documents present three times. When I spoke to the USDA and offered to send my documents directly from the title company, I was told they would not accept any documents from me, they report everything correctly, and they would not be changing anything. I will not be calling them again, as I was spoken to very rudely and was not listened to at all, just dismissed. This needs to be fixed. I paid my debt, and the house was in my dead husband 's name anyway but is on my credit report. I just want it fixed so I can purchase a home. At this point, the negative improper reporting is ruining my life. I can not purchase a car or home with this on my record incorrectly. The USDA did not tell the title company I didn't pay it in full, in fact, the estate received a check for {$9200.00} at close. Clearly, this was not a " short sale '' nor did I ever owe them a penny more. Oddly, the USDA didn't even send the title company a receipt for SEVEN MONTHS, but the certified mail proves they got it! Unacceptable. I hope others aren't experiencing this! This is not MY FAULT. I paid. I want this fixed as soon as possible please.

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 2019-06-04 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: MI

Complaint narrative:
I sold my home XX/XX/2018. It was a conventional sale. The payoff letter sent to the title company by the USDA stated the total payoff amount was {$100.00}, XXXX as of XX/XX/2018. There is no mention of a " short sale ''. The USDA reported this account as delinquent until XXXX, 2018. Additionally, it is listed as " settled for less than owed ''. This is not the case. All documents show the amount was paid in full, the title company even sent me the verification that the USDA received the cashier check for the full amount on XX/XX/2018. I am now unable to purchase a home. Experian fixed the date of the sale, but not the fact that it was not a short sale. I have now disputed this account with all documents present three times. When I spoke to the USDA and offered to send my documents directly from the title company, I was told they would not accept any documents from me, they report everything correctly, and they would not be changing anything. I will not be calling them again, as I was spoken to very rudely and was not listened to at all, just dismissed. This needs to be fixed. I paid my debt, and the house was in my dead husband 's name anyway but is on my credit report. I just want it fixed so I can purchase a home. At this point, the negative improper reporting is ruining my life. I can not purchase a car or home with this on my record incorrectly. The USDA did not tell the title company I didn't pay it in full, in fact, the estate received a check for {$9200.00} at close. Clearly, this was not a " short sale '' nor did I ever owe them a penny more. Oddly, the USDA didn't even send the title company a receipt for SEVEN MONTHS, but the certified mail proves they got it! Unacceptable. I hope others aren't experiencing this! This is not MY FAULT. I paid. I want this fixed as soon as possible please.

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 2019-06-04 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting on a debt that I do not owe. This debt was included in my bankruptcy # XXXX in 2012. Not only was this included in my bankruptcy, it is now past the statute of limitation. XXXX  XXXX XXXX is clearly in violation of the Bankruptcy Law act, and this account needs to be removed off of my credit file.

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 2019-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or about XXXX of 2018, a fraudulent application was submitted using my name and social security number to Capital One. Additionally, my checking account was debited {$1000.00} by Capital One for what turned out to be a fraudulent secured credit card. I contacted Capital One and advised them of this matter and was told that the account would be closed and removed from my name and social security number, and the {$1000.00} that was debited from my account would be mailed to me. However, as of todays date I have not received any refund check from Capital One and I still see the account on my credit report. Ive emailed Capital One legal regarding this but all my correspondence has been ignored.

Company response to consumer: Closed with non-monetary relief