vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I used the Citizen 's Bank app to transfer {$1000.00} to my fiance in order to pay our monthly bills. Citizen 's Bank uses XXXX for this which is built into the app. When I tried to transfer the funds, I was told that the transaction failed and the money was not removed from my account. My fiance also received a notification saying that the transaction failed. I then transferred the money to my fiance through XXXX instead. 
However, the next day on XX/XX/XXXX the {$1000.00} was taken from my account by XXXX without ever informing me that it had done so or even asking for my permission to do so resulting in my account being overdrafted. In addition, despite the {$1000.00} being taken out it was never even sent to my fiance and so the {$1000.00} was simply gone. I immediately contacted Citizen 's Bank and filed a claim. It took over a week to get the {$1000.00} returned ( which was given to me on good faith from Citizen 's Bank, meaning that XXXX had not actually returned the money ). Despite the return of the {$1000.00}, this also caused {$250.00} in overdraft fees that have not been refunded despite it being caused by both Citizen 's Bank and XXXX. I've continually contacted both Citizen 's Bank and XXXX about this issue. XXXX has completely ignored me, telling me to talk to my bank to resolve the issue. Citizen 's Bank has continued to tell me they're looking into my claim ( which I was told would take 1-3 business days and was later told would take 7-10 business days ). It has now been 16 business days and I have not received the {$250.00} that was charged to my account due to their mistake and the only information I've received is that they are " looking into it '' despite it being long past the time I was told it would take to investigate the issue. The issue also has a very clear paper trail that I've well documented and so the investigation should not be taking this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: CA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: CL Holdings LLC
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: KY

Complaint narrative:
I have contacted the major credit reporting agencies multiple times regarding fraudulent and inaccurate information listed on my credit report. The inaccuracies remain on my report even after I have supplied proof that the items do not belong 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 2021-07-06 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: KY

Complaint narrative:
I have contacted the major credit reporting agencies multiple times regarding fraudulent and inaccurate information listed on my credit report. The inaccuracies remain on my report even after I have supplied proof that the items do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
In XXXX of XXXX, I paid off my entire account balance of my XXXX XXXX Comenity Bank account. There was a residual interest charge added after that unknown to me. I have never been late on this account and again thought it was paid off. I was in the middle of a move and never received any notification of this very small charge. The first I heard of it was from XXXX when I received notification that my account had fallen 60 days behind and was reported negatively. After all the late fees and interest, the " late '' balance that knocked my very high credit score down XXXX points was only {$48.00}. I disputed it with XXXX, but it was immediately denied by Comenity Bank for removal. There is no phone number available for Comenity Bank to dispute or explain what happened. When I called the card company, they were no help at all and offered me an address to possibly address by snail mail. Again - this account was paid off and in years of having this account has never been late. I don't feel like they are giving me a chance to even make a case or consider these extenuating circumstances. Thank you so much. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp
State: DC

Complaint narrative:
The company located at phone number XXXX keeps calling me and harassing me for collection of a debt owed by my deceased brother, XXXX XXXX XXXX who passed away in XXXX. I am his brother and I have nothing to do with his estate which was settled by his family. They have been calling me and harassing me for over three years. I first started receiving phone calls from an individual who identified himself as " Mr. XXXX '' who threatened to sue me and report me to the credit bureaus, etc. if I did not pay my brother 's debt. I called the XXXX 's office in XXXX XXXX  where I live and the individual who answered the phone transferred me to another individual in his office who looked up " Mr. XXXX '' and the phone number and told me that this was just a fly by night collection agency who buys the the list of owed debt from companies that have trouble collecting the monies and then resorts to tactics such as calling and threatening family members to pay the debt. From what I was told, his company has also bought a number of " XXXX, XXXX, and XXXX '' numbers that automatically call out to individuals trying to collect the debt. I have been harassed by these individuals for three years now and I want it stopped and I am willing to take any legal action necessary to stop these people for using their deceitful tactics to collect money from other individuals who might have done their due diligence as I have in order to ensure that these individuals are identified as the frauds that they are!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
MCA havent removed collection of my XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My wife and I were laid off Due to Covid Last XX/XX/XXXX and Select Portfolio Servicing is unwilling to work with us to save our home from foreclosure on XX/XX/XXXX. This is a XXXX Loan ( ( ( - XXXX XXXX XXXX XXXX  XXXX, as Trustee for the benefit of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the owner of the account, and SPS is the mortgage servicer of the account. Contact information for the owner of the account is provided below : Office of the Trustee XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX ) ) I have had to hire XXXX XXXX XXXX XXXX to help and we are still getting nowhere. 
Called the other day to get the past amount due and the Customer Servicing Rep would Not Provide me the information. Why?? There is something wrong here with SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: VA

Complaint narrative:
This bankruptcy should not be on my credit report. According to 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. I have attached my FTC report that was sent on XX/XX/21 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to report the bankruptcy on 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 explanation
Consumer complaint received 2021-07-06 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: NC

Complaint narrative:
XX/XX/2021 i had a Hard inquiry on my credit report from XXXX XXXX  i would like to have it removed an have the address of where the application was made or where the card was being mailed to so i can have a clue of who has my 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 explanation
Consumer complaint received 2021-07-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: TX

Complaint narrative:
I contacted Capital One to obtain proof of collection/charge off. The account was paid off and is showing charged off on my credit report. Capital One was unable to help me with this and stated that I would need to contact the credit bureau. Contacted the credit bureau and they stated I would need to contact the creditor. No action has been taken and false information has been reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Happy Money, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. The companies XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, HAPPY MONEY INC, XXXX XXXX CORPORATE, all claim to have miss placed or have not received my FTC report after being sent though fax and mail several times. The accounts are still on my report and affecting my progress of purchasing a home for my family. I am depressed and stressed by the lack of empathy with each representative I have spoken to. They either transfer me five or six times, give me other numbers to call and act as if they are not able to assist even when the fraud department handle fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Received a letter in the mail informing me that my account must be paid in full or risk repossession and Account would go to collections informed the company that I could only pay that amount that would put the status into a 60 day late notice rather than be into a 90 day late status told her that was not acceptable so I traded the vehicle in the loan was paid off prior to being a written off debt status or collection was improperly listed on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation