vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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: NY

Complaint narrative:
On XX/XX/2021 complaint XXXX submitted to the CFPB requesting confirmation from Equifax that they will not be willing participants in the XXXX XXXX Retail Card Services mischief . 

On XX/XX/2021 Equifax responded to complaint XXXX please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. 

On XX/XX/2021 complaint XXXX submitted to the CFPB requesting : Equifax CFPB XXXX responded on XX/XX/2021 : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. The mailed results have not been received. 

On XX/XX/2021 Equifax responded to complaint XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an internal review was completed and results were mailed to you. 

On XX/XX/2021 complaint XXXX submitted to the CFPB requesting : Equifax disingenuously responded on XX/XX/2021 to CFPB XXXX " ... Please be advised that an internal review was completed and results were mailed to you ... '' No internal review results were mailed to be received. 

On XX/XX/2021 Equifax responded to complaint XXXX : Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. 

XX/XX/2021 + XX/XX/2021 Equifax represented internal review was completed that on XX/XX/2021 has been initiated. When the furnishing company provides their findings, we will send those results to you. 

On XX/XX/2021 as Equifax had clearly demonstrated on XX/XX/2021 + XX/XX/2021 no intent to communicate internal review results further responded to complaint XXXX : Closed with explanation. Closed with explanation was Equifaxs intent to conceal it malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Citi Bank Credit Card agents are telling me two opposing stories. An agent named XXXX told me yesterday that my XXXX sign-up bonus ThankYou points would post to my account on my XX/XX/XXXX statement. The points did NOT post so I spoke to another agent named XXXX today. He claimed the 80k points offer was not even attached to my account. That is absolutely ridiculous. I have screenshots as proof of the offer I signed up with along with their terms and conditions. I met all requirements ( XXXX XXXX spend within the first 90 days ) and I did not violate any terms and conditions for this offer. Citi is being deceptive, misleading and unethical. They need to honor their own promotion.

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 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio recovery has been a pain to deal with they usually dont respond. Ive sent them letter after letter telling them that I do not owe this debt. For XXXX XXXX its not on my credit. I have never signed anything stating that i owe portfolio recovery a dime. They do not have my ss number. They are showing an account as open. As collection and derogatory. They last reported XX/XX/21 and a balance of XXXX they have posted in XX/XX/XXXX as ok meaning its being paid. I have no idea what this debt is about I would like this removed. Asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I ordered an item on XX/XX/2021 for {$42.00} on XXXX from a third party seller known as XXXX XXXX XXXX. Order # XXXX. The seller claimed to have shipped the item which I did not receive. I spoke with an agent from XXXX who stated the address that the item was shipped to was not my home address. XXXX did not disclose the address due to company policy. I then spoke with XXXX who stated the address showing on their end was my home address. They then contacted the seller, the seller responded they would update me with the correct tracking number. I have yet to receive anything. I spoke with a supervisor at XXXX by the name of XXXX who was very rude and dismissive. I told her they should remove this fraudulent seller. She proceeded to disconnect the phone call during mid conversation. I called back and spoke with another XXXX customer service agent who was also very rude and condescending. He stated that XXXX wrote in the notes she disconnected the phone call due to expletives being used. I would like to have those phone calls pulled and assessed. I am requesting corrective actions taken to reprimand XXXX for lying. I would like the seller to be investigated and removed for fraud. I am also requesting an investigation or case created to handle both agents, XXXX the supervisor and the agent who i spoke with after her at XXXX for customer service abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: NY

Complaint narrative:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: MS

Complaint narrative:
United Collection Bureau is trying to collect a debt passed down from XXXX XXXX XXXX Bank that was a result of identity theft. I have a police report and claim number for this case. This company sent me a letter in the mail asking me to settle for something that I field as theft. This is harassment at this point because I am not responsible for the debt. The complaint number tied to this case was originally sent to XXXX XXXX XXXX Bank until I got a notice in the mail from United Collection Bureau. The original complaint number is XXXX back dated to XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
So I am FEMA and I only borrow five and {$50.00} but now its for XXXX because in four weeks I wanted to pay back but at that time they were rushing him up all my blitzing me like a football player and then they would rush me and then hang up and rushing out call back four times where they would call the top of me and I said heres the money to take it yes it is is it is it letting it and then many times I mean I had told him I even more than that Im and I said you go ahead and take the money and then we were not its not my fault they dont wan na pay ask it clears alone and I dont wan na be in that is your fault he been harassing her back and theres three times harassing you dont you dont you want no money that Im sorry I will keep an issue they probably is every two days until Ill give up because they were just literally I think theyre related to XXXX XXXX of extended stay over in XXXX hurry up XXXX because I dont even understand I thought the cash I took the visa I tell you she wont even excepted after that I tell you I think it was the same way I would know I thought I was I was looking I say why would you be here this week is such a scam I did not wan na waste the money aside for doing hair is her pain it was supposed you know how to boost the on-time payments or was it was it going to be on time and by then why is it when I knew she was going as you feel like no you cant pay me you cant pay me like you know what kind of person like you can touch that you can touch it but asking for my money at the same time that she sent me to collections to classes right now because I was supposed only pay for and 15 hours double almost imagine thats illegal that is illegal in a few months CDC too so thats against the interferes with federal law and management so please and you dont write her up because I think they should close down I think its going to run anywhere XXXX this is like the worst where situation where I mean they dont look to be out when youre XXXX you know that XXXX after we try to pay you dont even get to trust them because its constantly and Ill like basically Slappy back as you like a ping-pong ball or or just like on an alligator alliances one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: NY

Complaint narrative:
I ___, I am a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: VA

Complaint narrative:
Case Description I am diagnosed as a XXXX long hauler. I have been Unable to work since XX/XX/2021. AES States that they do not fall under the Department of Education so I've had to continue making loan payments. I don't believe the amount we owe on this loan is accurate. Its a consolidation loan that initially came from XXXX and the balance was approximately {$6000.00}. There were years we had forbearances and years that we had deferment because we were both full-time students for approximately seven years. At an interest rate of 4.88 % I can't believe the amount is this high. We also filed it in two bankruptcies and paid interest during both. AES answer now is to continue transferring the loan back-and-forth between them and XXXX to charge additional rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Okay XXXX I am a XXXX  XXXX  I want my XXXX clear I want {$200000.00} refunded and {$65000.00} cancel because I didnt realize that the XXXX  XXXX  at all canceled as well and socially if youre working from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
The problem with my Bank of America 15 year mortgage started around the time the pandemic did. I was making my auto-payments as usual in early XXXX. Then I received an escrow statement showing a higher amount and an increase in my payments, which had not changed in 13 years. I was on XXXX County 's REAP ( tax deferral ) program. They had erroneously sent a bill to the bank. The bank paid it even though I was still on the program. When I learned what was going on, I paid made a couple of higher mortgage payments until I calculated the correct amount ( which did not match theirs ) based on my Homeowners Insurance and taxes. I went off the REAP program later in XXXX because I moved to a new home. I got the county to reimburse Bank of America for the tax payment, and I have a record of them having done so in XX/XX/XXXX. Now they are saying I still owe {$650.00} because I " missed a payment, '' a lie which I can prove. I pay through my Bank of America checking account automatically ( for over 14 years now ), and have maintained excellent credit. This is not the first time I have been scammed during a crisis. In XXXX when the stock market crashed, I lost my job and I also had a scam that cost me thousands of dollars. I finally crawled out of that hole. Can you help 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 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX is showing on my transunion and XXXX  that i was 30 days late in XX/XX/2018 i have asked several times for verification of this and nothing gets provided i have disputed it many times as well and nothing changes. I am positive i was not late at all on this account

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 2021-10-07 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: VA

Complaint narrative:
XXXX XXXX is showing on my XXXX  and experian that i was 30 days late in XX/XX/2018 i have asked several times for verification of this and nothing gets provided i have disputed it many times as well and nothing changes. I am positive i was not late at all on this account

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 2021-10-07 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Car was purchased in XX/XX/XXXX and was in an accident resulting in a total Loss in XX/XX/XXXX. This account was included in a LAWSUIT filed against the company in which the loan and any balance owed was to be deleted from my credit report due to a determination Santander used unfair predatory loan charges to low income and subprime credit customers. The settlement with Santander stated it will resolve allegations that the bank violated consumer protection laws by putting subprime borrowers into loans that carried a high probability of default. Instead of doing so and removing this account from my report, it is inaccurately STILL REPORTING, affecting my score and has recently been updated to state closed as of XX/XX/XXXX is is absolutely NOT TRUE. I would like this account removed immediately or there will be legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: TX

Complaint narrative:
My bank account was charged for a loan amount repayment of 3 installments XXXX and one installment of XXXX. 

I submitted a claim with moneylion but haven't heard anything back and I have talked to my bank. But my bank can not do anything since the charges haven't been posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a free membership with Experian, so they send me promotional messages and notifications. They sent me a promotion for a Bill Negotiation service, where they negotiate to lower certain bills for you. The cost of this service is 40 % of a year 's savings. I signed up for this service in mid-XXXX  and they reported that they were able to save me {$50.00} a month starting in XXXX, totaling {$600.00} on my cable bill. I could either make six monthly payments or pay in full. I chose to pay the full {$240.00}. When I received my XXXX bill, it was not lower. I contacted XXXX and they had no record of my bill being negotiated. I then contacted Experian and the rep told me to email them the bills and they would investigate immediately. I sent them the bills and have emailed them several times since then with no response. I have now received my XXXX bill which is still unchanged. XXXX confirmed through their chat function as well as over the phone that they were never contacted by Experian.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax keeps reporting an old state tax lien on my credit in the amount of {$19000.00}, they are not supposed to report liens of any kind on my credit, this is a 15 U. S. 1681i, and U.S. Code 1692g wilfull noncompliance, and validity of debt falsely reporting same account twice, and reporting a State tax lien, which is a civil liability on their part. And they are in 15 U.S. Code ss 4504, statute of limitations violation, after the date of first delinquency, the debt is to be removed from the credit report 7 yrs later, they have kept this old debt on my credit report now for 13 going on 14 yrs, they are required by the Fair Credit Reporting Act to Delete this old tax lien account from my credit report. Whether they are reporting monthly payments or not. Instead of violating the act, they need to be in compliance with the laws, and rules set forth to protect consumers from unfair credit reporting. Delete the items or I will sue Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update 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 2021-10-07 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
On XX/XX/2021, I recieved a phone call from Portfolio Recovery Associates whom were attempting to collect debt. The lady I spoke with, XXXX ( refused to give last name ), refused to attempt to validate the debt over the phone. She then proceeded to state that " the debt belongs to you, don't play XXXX games '', when I asked her to send information in the mail to validate the debt. She also refused to verify any information at all to even verify that I was the right person. After this, I did not receive another call from anyone at Portfolio Recovery. 

On XX/XX/2021, I received a summons in the mail for a court case that was dated XX/XX/2021, regarding a garnishment for {$1200.00} from Portfolio Recovery Associates, LLC. The summons is dated as being issued on XX/XX/2021. According to the XXXX City Court, there is no court case with the number provided on the summons.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 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: Prosper Marketplace, Inc.
State: VA

Complaint narrative:
On XX/XX/2021 at XXXX XXXX  I received an email from a company called Prosper about a denied loan application that I didn't apply for, it went on to further explain to check my XXXX credit agency if the report was inaccurate. I first called Prosper and asked them about the email I just received from them, They went on to explain that they did not have anything on file that I applied for a loan. I also called XXXX to ask if they seen a Hard Inquiry on my Report, and they also stated that they did not see anything as well. 
I don't feel easy about this due to they emailed me on my private business server. Can you please investigate this issue due to the fact that someone or something allowed me to receive that email?

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