vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My citi account was flagged for closure around XXXX because one of the transfers from another one of my checking accounts ( from XXXX ) didn't go through successfully had to be reversed. I was told I would receive a check in the mail with the remaining funds ( {$22000.00} ) in the account ( funds that I deposited from other accounts of my own ). I couldn't transfer these funds out of the account because it was locked. It's been 6 month 's now and I never received a check. 

One customer service representative also suggested opening a Citi account so I could transfer the funds from the locked/closed account into it because I wasn't getting a check. After I opened a new account and called back, another representative said that I actually couldn't do this and to wait for the check to come again in two months time. 

I've called Citi 10+ times now throughout the course of these 6 months and today ( XX/XX/2021 ) after calling again because I still haven't received a check, they told me that the account was closed and that I don't have any funds that will be sent to me - essentially telling me that they're not going to give me the {$22000.00} back. They have also seemed to closed down my online access to any Citi accounts that I have recently, which is lovely of them too do so.

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 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX formerly known as XXXX XXXX. There are a number of collection unvalidated accounts from Peter Roberts and Associate 's that I have no knowledge of. These unvalidated accounts are hurting my life financially. I need this items removed immediately because there has been no proper validation pursuant 15 U.S.C 1692g. These accounts are a violation my consumer rights and need to be deleted immediately from my consumer credit reports. These accounts are also violating 15 U.S.C 1692e False or misleading representation. Please remove these accounts ASAP or I will gladly pursue litigation and exercise my rights pursuant to Title 15 Sec 41 under the Consumer protection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I believe that my rights have been violated as a Consumer in this consumer credit transaction. I was told that my loan was a direct lending loan and that I had different options as a person who goes about getting a loan indirectly. Ive called to get this rectified several times and my account got sent over to the Executive office. I found out that they were not placed as a lien holder on my vehicle and now they are attempting to place themselves on my vehicle as a lien holder. Ive attached an affidavit of Truth and Facts along with a Validation of debt and a invoice with the consumer laws Wells Fargo has violated. Under 15 USC 1635a, I have a right to rescind any Consumer credit transaction and it should've been disclosed to me in which it was not, which is a violation of Truth in Lending. Also 15 USC 1635b gives me the right to return money or property following rescission, in which I didn't have a choice to do so as it was not disclosed and is a result of a violation of Truth in Lending. *THIS information stated is in the AFFIDAVIT ATTACHED***

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 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 paid credit repair agencies for years and have contacted experian XXXX  and XXXX  myself and always an auto-generated letter is sent back without ever validating that this is not mine. I have sent police report and letters and so much different verifying documents and all that is returned is that it was not food enough information. Multiple accounts are not mine multiple inquiries are not mine, myself and my family have had to suffer in so many different ways because of this.

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 2021-08-02 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: TX

Complaint narrative:
My name, DOB, and social is being mixed with 2 other people. Ive called in to get the changes corrected however, I am unable to due to the mix up. I am being affected in my personal life, I can not get approved for a loan, apartment, or a vehicle due to these errors.

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 2021-08-02 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:
My name, DOB, and social is being mixed with 2 other people. Ive called in to get the changes corrected however, I am unable to due to the mix up. I am being affected in my personal life, I can not get approved for a loan, apartment, or a vehicle due to these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I filed a FTC report on XX/XX/2021 to get the account removed. All the other accounts addressed in my report were removed, but this auto loan with Credit Acceptance Corp stayed on.

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 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Shortly after my twins were born in XX/XX/2018, I took them to XXXX XXXX for a XXXX  appointment. I had health insurance at the time, but when XXXX XXXX submitted the claim for payment, the claim was rejected as the insurer indicated I was not covered. I cleared up this issue with the insurer ( I was covered ) and the health insurer requested that XXXX XXXX resubmit the claim. XXXX XXXX refused to re-submit the claim. I resubmitted the claim myself but the insurer insisted that the provider resubmit it. XXXX XXXX again refused. 

The claim was apparently sold the receivable to XXXX XXXX, who reported 2 claims for {$450.00} to XXXX  ( there was only ever 1 claim ). I disputed these claims with XXXX  and they were removed. Once removed from XXXX, XXXX XXXX then reported 2 claims for {$450.00} ( again only ever 1 claim ) to Experian. I disputed the claims with Experian. Experian has apparently rejected the dispute. However, they did not issue a rejection notice - only a notice that they have updated the claim with new information. It appears they only updated the expiration date of the negative report, but it is unclear as there was no explanation provided

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 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account is paid off and the rep stated that it'll be updated no later than the XX/XX/XXXX. I just checked my credit report and it shows that this account is still owing {$1000.00}. Please look at the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
I started receiving letters from XXXX XXXX XXXX in XXXX they have added more debt since this time they now have 4 cases they say I owe on I tried to pay on the first one in XXXX they refused to let me make automatic payments so I told them it was about time they got upto the times and allowed me to pay automatic every month. I didnt hear from them for many years then last year I began getting calls from them I explained the same way I did before they are not allowing me to make automatic payments. Since XXXX of this year I have received nonstop calls and mail from XXXX XXXX XXXX they had begun sending court papers I did dispute having 4 cards that I owed on they sent me 3 files but not the fourth. The information from original creditor does not show me that I was involved in any of these accounts. After I asked them not to contact me through mail or any other way explaining that I have tried to make automatic payments on 2 cases years ago and they refused to let me and now they are upto 4 cards. They sent me a paper for automatic payments in XX/XX/XXXX after saying for years they couldnt do this. I filled the paper out for all 4 accounts together stating they need to take the once a month payments out starting XX/XX/XXXX also sending this proof to the court. They then still continued to not take payments I even called XXXX XXXX XXXX office to ask why my payments still are not being take the lady told me sometimes it takes 30 days wait until XXXX. No payment taken in XXXX so I copied all these papers again and went to the post office and sent it so someone would have to sign when it was received. It has been signed for and I have not had a payment taken and still have not received anything by mail. I honestly have tried to pay on this only for them to add more accounts which I dont believe I even owe but to get ahead of this I tried to make payments and they refuse and now I have court papers for dates for all of these accounts I believe its not fair because I have tried to pay this for years. They have even told me in the past 2 years that I run my own business so they will take the money from my husbands paychecks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CA

Complaint narrative:
XXXX XXXX is reporting a paid charge off on my credit report which is inaccurate, account was paid on time and in full.

- Closed 3 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$20000.00} Payment Info Status Paid, was a charge-off Status date XX/XX/XXXX Past due amount - Original loan amount {$20000.00} Monthly payment XXXX XXXX XXXX  Charge off - Data Unavailable Additional info Responsibility Individual Terms 37 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: RI

Complaint narrative:
We fell behind, due to some costly issues with the house, cars, family expenses! We tried to modify but the company wanted a good faith payment of XXXX. We didnt have it. So a representative suggested I file bankruptcy. The mortgage company had been sold 4 times, each time I proved I was keeping up on the insurance, but they keep adding XXXX on top of all the missed payments. I have home owners Insurance that has never lapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I mailed Credit Bureaus a letter disputing inaccurate information on my credit report over a months ago and in response I received a letter from Bureaus stating the ID I submitted was insufficient to verify my address and identity.

The identification I submitted is sufficient according to Bureaus guidelines and I demand that
Bureau examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope.
The disputed items must be investigated. Item i'm talking about is a result of identity theft.

1. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have been disputing this account since XX/XX/2021 and each time this credit bureau has said this account is 'verified '. I then disputed directly with the company and they were not able to provide me with any documentation for the account listed on my credit reports. If they can not verify this account with me, there is no way they could have verified this with the credit bureau. I'm convinced no true investigation occurred and demand a deletion ASAP. 

Please DO NOT mark this complaint as a dispute. IT'S NOT. It is a complaint with a demand for deletion based on an account not being able to be verified as 100 % accurate, complete, and timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: MS

Complaint narrative:
I have been disputing this account since XX/XX/2021 and each time this credit bureau has said this account is 'verified '. I then disputed directly with the company and they were not able to provide me with any documentation for the account listed on my credit reports. If they can not verify this account with me, there is no way they could have verified this with the credit bureau. I'm convinced no true investigation occurred and demand a deletion ASAP. 

Please DO NOT mark this complaint as a dispute. IT'S NOT. It is a complaint with a demand for deletion based on an account not being able to be verified as 100 % accurate, complete, and timely.

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 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Debt does not belong to me. Privacy and consumer right violated. Company has sent deceptive forms and threatening letters. Notice has been sent to company. Ftc has been filed. See attached Evidence and documents. No constitutional proof or permissible purpose or consent given to stated company. Rights have been directly violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 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: TN

Complaint narrative:
XX/XX/2021 the amount XXXX put a Collection on my credit from a company that I have never done business with. Know contract has been provide with Signature no copy of ID or Soical Security Number provided. Per 609 of the Fair Credit Reporting Act. The Credit Reporting Agency can't provide me their method of verification and a copy of the Reporting Company signed contract between them and I before this account was Reported on Credit File the Reporting Agency must have a copy of the said documents on 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 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$970.00} Reason : Identity theft Please remove it from my Credit 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 non-monetary relief
Consumer complaint received 2021-08-02 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: OK

Complaint narrative:
I have reached out to the 3 credit bureaus to no avail, they stated that i cant not dispute the items with them. 

Under the FCRA i should be able to dispute these items with them. 

I have reached out to the furnisher of the inquires and they can not or will not verify the inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: I.C. System, Inc.
State: MD

Complaint narrative:
Shortly after my XXXX were born in XX/XX/2018, I took them to XXXX XXXX for a pediatrician appointment. I had health insurance at the time, but when XXXX XXXX submitted the claim for payment, the claim was rejected as the insurer indicated I was not covered. I cleared up this issue with the insurer ( I was covered ) and the health insurer requested that XXXX XXXX resubmit the claim. XXXX XXXX refused to re-submit the claim. I resubmitted the claim myself but the insurer insisted that the provider resubmit it. XXXX XXXX again refused. 

The claim was apparently sold the receivable to IC Systems, who reported 2 claims for {$450.00} to XXXX ( there was only ever 1 claim ). I disputed these claims with XXXX and they were removed. Once removed from XXXX, IC Systems then reported 2 claims for {$450.00} ( again only ever 1 claim ) to XXXX. I disputed the claims with XXXX XXXX has apparently rejected the dispute. However, they did not issue a rejection notice - only a notice that they have updated the claim with new information. It appears they only updated the expiration date of the negative report, but it is unclear as there was no explanation provided

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 2021-08-02 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: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - Reporting inquiries without my permission, Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) - You are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. And some false information from my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS

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