vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports. 

XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$82.00} XXXX XXXX GROU {$120.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are some accounts on my report I do not recognize

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 2021-11-09 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: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/2021 an individual, thru identity theft took out a CITI Bank credit card in my name. They had my correct address, an old phone number and my SS number. 

I have put a fraud alert on my credit report and have called CITI Bank. CITI Bank has instructed me that the card has been canceled. They also told me that I'm a victim of ID theft. I will be contacting their ID protection department tomorrow.

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I lost my bank of America credit card and two transactions had been made : XXXX XXXX, XXXX XXXX CA for {$1300.00} And XXXX XXXX XXXX XXXX XXXX CA for {$2400.00}. I called the credit card and report the froud the have denied the claim three times.

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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VI

Complaint narrative:
For the past several months ( around XX/XX/XXXX ) I have been trying to get my credit report from Equifax due to the fact they continue to report incorrect information. They have accounts I have never seen and accounts from XXXX that are paid in good standing, and I no longer have. 
I am a XXXX XXXXXXXX veteran and I applied for a line of credit. I was turned down because Equifax is reporting incorrect information. I made several attempts for several months now to no avail. I am married for 15 years and all my lines of credit are in my maiden and married name ( it is hyphenated ), they only have my maiden name listed on my account. I went on to their site to print my report and was told it ( Report Blocked for Promotional Purposes ). I called and was told it would have to be mailed, this will take way too long. I need to fix the issue immediately. 
I am way beyond stressed by Equifax and the other reporting companies, everyone is using Covid as an excuse to do what they want. I would like help to rectify this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: NJ

Complaint narrative:
There are some accounts on my report I do not recognize

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 2021-11-09 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: NJ

Complaint narrative:
There are some accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
Hi, The debt collection agency, Debt Recovery Solutions LLC, just placed an 8 year old discharged debt on my credit report as " In Collections '' and reported the date of the debt as XX/XX/2021. This is false reporting and has hurt my ability to obtain a lower interest rate on a home loan that I need to close within 45 days. I found out about the debt on my report when I applied for the loan. Terrible timing and a good example of illegal debt collection tactics by this debt collection agency. 

The original debt was with XXXX, I believe it says, and it looks like they purchased the debt from them, or another debt collection agency. Also, I never received any notice from this company informing me of their intentions to illegally pursue an 8 year old debt in the state of GA where the statute of limitations is 4 years. To make matters worse, I am fairly certain that the {$11000.00} they are reporting is much higher amount than the original amount owed. 

All I have are the last four digits of the account number, XXXX. I've attempted to call Debt Recovery Solutions but have not reached anyone to discuss the issue. After talking with someone who has had this happen before, they advised me to not talk to anyone at the agency as they will attempt to get you to agree that you owe the debt, therefore allowing them to place the debt on my credit report and seek full payment as if I owed the debt today, not 8 to 10 years ago. 

Can you help me resolve this issue and provide me information on the best way to seek damages from the collection agency. It's very disheartening to see a company do this to people in a time such as this. I am attaching a screenshot from XXXX. It's the only information I have for the collections debt. Thank you for any help you can provide. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I can not access online banking or phone banking, and can not change any of my settings including paper statement settings. After calling, it was determined that my social security number did not match what Citizens has on file. I was told I needed to fill out a W9 to prove who I am before speaking with them. I can not change paperless settings, or do anything else, before verifying my identity with them. This has been a big hassle and I want my account closed completely since I have never had this many problems with a bank before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: FL

Complaint narrative:
good night dear agency, i come here to apologize to you guys for lying to you and saying i didn't know the doubts of my account, i really want to pay XXXX  XXXX please send them back to my account i'll pay all of them thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I received two gift cards in the amount of {$200.00} each ( {$400.00} in total ) as a gift a few months back from my friends as a housewarming gift and I opened the gift card packages a month ago. 
When I checked the cards I realized there weren't any security codes behind the card which doesn't allow me to use cards online or in store. 
So I contacted the customer service and opened a case with a case number XXXX explaining the situation. They requested the documents below. 

o Front and back of the card as well as any tampering/packaging o Original Proof of Purchase o Copy of your photo I.D .

o Mailing address I provided all of the documents except the proof of purchase since it was a gift from several friends and it's inappropriate to call them and ask for a proof or want them to track down the expense which they did who knows when. And I explained this situation to representative. They said it was okay on the call but closed the case with an explanation they never received the docs needed even though I sent several times. 

Then I opened a second case with a case number XXXX. This time they received the documents and asked for the proof of purchase and I explained the situation once again. I didn't get a response from them. Today I called them to ask for an update about the case but I heard that the case was closed once again without an update given to me. I was basically waiting for nothing. 

So I opened a new case with a case number XXXX but it has been more than a month and I lost my hope about them resolving my case. That's why I contacted you. 
Basically they are keeping my {$400.00} just because I'm not able to provide a proof of purchase even though I have the cards physically and their security codes are empty. 

Don't know what else I can do to get my money back. It's like stealing money from gift card recipients. Basically they can sell several cards without a security code and keep the money to themselves because the gift receivers won't be able to provide a proof of purchase. I need a replacement of the cards asap and I don't wan na let them keep my money. They have no right to do that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 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: FL

Complaint narrative:
good night dear agency, i come here to apologize to you guys for lying to you and saying i didn't know the doubts of my account, i really want to pay XXXX  XXXX please send them back to my account i'll pay all of them thank you very much

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
good night dear agency, i come here to apologize to you guys for lying to you and saying i didn't know the doubts of my account, i really want to pay XXXX  XXXX please send them back to my account i'll pay all of them thank you very much

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 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
On XX/XX/2021 I sent a check via the bill pay service at my bank for {$30000.00} to Roundpoint Mortgage Company. Roundpoint cashed the check on XX/XX/XXXX. Now two weeks later Roundpoint still has not credited my account. 

First they said they never received my check. I then sent them copies of the front and back of the cancelled check. I was then told the check had been misapplied and that they would correct the error. They still have not posted the check to my account. 

I have called them numerous times. They have never initiated contact with me despite being told they would. The results of my calls have varied from them suggesting I probably did not send the check as I claimed ( they said this happpens all the time ) to being promised that they were posting the funds as we spoke. 

Is there something your department can do to assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: PA

Complaint narrative:
I recently settled an account with XXXX. The agreement was that I pay a certain amount and in exchange the account would be closed and I would no longer owe any balance on the account. This agreement was paid and settled. I have contacted Experian on a couple occasions for them to update the information to reflect the correct information that should be reporting on my credit profile. I have submitted documentation that pertains to the agreement for the account being settled. The information being reported on my credit profile in inaccurate. Experian clearly without regard to my consumer rights have violated these rights on now two separate occasions by reporting inaccurate information and falsely stating that the information was verified as accurate.

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 2021-11-10 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: WV

Complaint narrative:
I received two emails from XXXX XXXX about two hard inquiries. I did not authorize either of these inquiries. One inquiry is from XXXX XXXX and the other is from XXXX XXXX both took place on XX/XX/2021. When I called each bank they explained that someone had put in an application for a loan but due to this being fraud and identity theft each bank stated they will deny the application and that no money was dispensed to any person. I later proceeded to check my credit report on each credit bureau website. I am currently trying to dispute these two hard inquiries as I stated I did not authorize these loans. I did not give any person permission to use my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I received two emails from XXXX XXXX about two hard inquiries. I did not authorize either of these inquiries. One inquiry is from XXXX XXXX and the other is from XXXX XXXX both took place on XX/XX/2021. When I called each bank they explained that someone had put in an application for a loan but due to this being fraud and identity theft each bank stated they will deny the application and that no money was dispensed to any person. I later proceeded to check my credit report on each credit bureau website. I am currently trying to dispute these two hard inquiries as I stated I did not authorize these loans. I did not give any person permission to use my personal 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 2021-11-10 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: WV

Complaint narrative:
I received two emails from XXXX XXXX about two hard inquiries. I did not authorize either of these inquiries. One inquiry is from XXXX XXXX and the other is from XXXX XXXX both took place on XX/XX/2021. When I called each bank they explained that someone had put in an application for a loan but due to this being fraud and identity theft each bank stated they will deny the application and that no money was dispensed to any person. I later proceeded to check my credit report on each credit bureau website. I am currently trying to dispute these two hard inquiries as I stated I did not authorize these loans. I did not give any person permission to use my personal 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 2021-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
NET CREDIT refused to give me a consumer and natural person their own credit and used a deceptive scoring system to deny me my own credit. 15 U.S. Code 1692- Congressional findings and declaration of purpose covers this violation as i natural person am operating under full faith and credit. This deceptive practice will need to be corrected immediately as this violates my federally protected right which are above any polices and procedures that NET CREDIT might try and use as a excuse for the deception Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by NET CREDIT, violating 15U.S.Code 1691 ( a ) ( 3 ). 

XXXX XXXX XXXX UCC1-308 Attorney in Fact

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: VA

Complaint narrative:
I am in the process of repairing and building positive credit. During this process I requested a debt validation letter from AFNI who is reporting a debt of {$3700.00} from the original creditor XXXX on my credit report. I sent the letter priority mail XX/XX/XXXX to XXXX XXXX XXXXXXXX, XXXX, IL XXXX and have not received a response. It has surpassed thirty ( 30 ) days and this is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation