vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
A couple of months ago I called AA Advantage American Express Citi bank to close my card. We do not use American Airlines in favor of XXXX to the places we go and I didnt see the point in having two of the same cards. Current customer agreement is attached. 
When I called the customer service the customer rep said that under customer service agreement that I signed a couple of years ago it would take 30 days to close the account. I did not see any problem here as I cut up the card as I wouldnt be using it anymore. The following week I received a bill for {$99.00}. Calling customer service I was informed that this was the membership fee for the current year 2021. 
I told the girl that I thought it was ridiculous that I pay a fee that I wasnt going to use. I left the conversation thinking the issue was resolved. At the beginning of XXXX I got the same bill. Again after waiting the ten minutes to get a customer service rep. 
I again explained the above situation to her. She said it wasnt in her job to solve the problem but she had to transfer my call to another department. Again after waiting to get the customer service person she also told me she didnt have the power to solve my problem andI would have to be transferred to a third person. Again after being on hold I told the person up front that if she couldnt solve the problem and waive the fee I would be filing a complaint with the CONSUMER PROTECTION BUREAU. This complaint is the result of that call. 
I would like it noted that I can easily pay this charge. I dont feel the charge is fair because Citi Bank is perpetrating something short of fraud in not being honest with their customers. I did pay any outstanding balance before I closed the card. I also closed my XXXX Citi bank card that I have used regularly for the past 10 years. If you were to check my almost perfect credit rating you would find that I very seldom complain or send product back that I ordered.

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 2021-06-28 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: CO

Complaint narrative:
I have reached out to the companies listed below to provide proof and documentation for these inquiries on my credit profile. No such proof was found or given to me. 

XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Bank Of America is illegally attempting to foreclose on my XXXX  primary homestead residence outside the legal statute of limitations for the state of XXXX. The initial foreclosure date was in XXXX of XXXX. The case was dismissed in XXXX of XXXX with no foreclosure sale. The appellate foreclosure case was filed outside the statute of limitations for the state of XXXX  in XXXX of XXXX. The appellate foreclosure case was terminated in XXXX of XXXX with no foreclosure sale. 


Bank Of America has illegally foreclosed on my XXXX  property outside the legal statute of limitations for the state of XXXX. My XXXX  property was released from my bankruptcy in XXXX of XXXX. Bank of America illegally foreclosed on my XXXX  property in XXXX of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: SC

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
XXXX/XXXX filed dispute of loan XXXX report signed by local XXXX and sent to company No communication XX/XX/XXXX turned over to true accord collections XX/XX/XXXX noticed collection company this was already disputed sent in the required information to the company they sent it back to XXXX XXXX No communication XX/XX/XXXX received email regarding the collection resubmitted all of the information and Tru Accord collection sent it back to XXXX XXXX XXXX XXXX received email from XXXX XXXX XXXX all the docs I had sent over the year needs to be notarized emailed company back with questions no response XX/XX/XXXX received notice of collection with True Accord disputed again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Im Disputing the original loan amount - Experian report {$7600.00} XXXX XXXX report {$12000.00} im disputing incomplete payment history from XXXX XXXX XXXX this account been open since XX/XX/XXXX and the first payment history was recorded in XX/XX/XXXX im disputing missing notice of dispute from XX/XX/XXXX im disputing the past due of the account Experian report its {$7900.00} XXXX XXXX report {$8800.00}

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 2021-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I notified Transunion that I am a victim of identity theft. I did send all supporting documentation.

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 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Hello, My mortgage loan was sold to lender Selene Finance back in XXXX. Selene claims that I am one month behind. This is not the case. I have been in chapter XXXX bankruptcy since XXXX of XXXX. Since XX/XX/XXXX I have not missed any payments. Bankruptcy trustee has also completed all the payments agreed upon and does not owe anything to Selene or past lender. 

XX/XX/XXXX My attorney emailed Selene Finance XX/XX/XXXX and attached all proof of payments for last 3 years. There is a ledger showing payments made, dates, confirmation numbers and amounts. Also attached was bank statements for every month starting XX/XX/XXXX showing the withdraws made by lender. 

XX/XX/XXXX I called and confirmed with agent XXXX that they received the email. She said it would take them up to 30 days to reconcile account. I asked if I could have contact information of the team or person reviewing my case and was told they do not take calls or emails from customers. She also said I would be receiving a letter from the team confirming my attorney 's email request. I never received anything and neither did my attorney. 

XX/XX/XXXX called spoke with another agent and she said they were still working on the issue. I asked about the letter that I was supposed to receive and she had no answers for me just confirmed my mailing address. 

XX/XX/XXXX called and spoke with another agent XXXX. He said they still haven't made any changes. He couldn't get any supervisor on the phone but submitted a request for a call back. He said I would get a call back 24-48 hours. He also emailed bankruptcy team with all the grievances that no one has responded to my inquiries that it has been almost a month and nothing. 

XX/XX/XXXX Called again and spoke with agent XXXX and he said he didn't see any requests to speak with a supervisor and that no one was available to speak with me. But that they are still reviewing my case and that its only been since last Friday. I let the agent know that it was incorrect that they had my case since XX/XX/XXXX. I told him that I have had zero response regarding my grievance for a month now and he told me there is nothing he could do. I asked who I could speak with he said I could leave a voicemail with a supervisor ( which I did ). I asked if I could speak with bankruptcy team and he said they do not take calls. 

Every time I called I was on the phone 1-2 hours getting the runaround. No one is calling me back. No correspondence of any kind. No end in sight. I gave them everything needed to fix their internal error and they still haven't. This is unacceptable. This has added great stress to my family. How can they miss-place a payment? They had a month to correct this. I have called and called and zero answers. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
This is the 2nd ( 3rd party ) collector to try to collect a debt that is not mine. Please verified or delete from my 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 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
SOUTHWEST CREDIT SYSTEM LOCATED AT : XXXX XXXX XXXX, XXXX, TX XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$500.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: SC

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2021-06-28 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days 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 Equifax data breach and may have gotten in to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
Company CBSA is illegally re-aging a debt not owed as I have NEVER received a bill for this debt from the original creditor, therefore violating the fair credit reporting act. The Date of first delinquency is allegedly XX/XX/XXXX, however, CBSA continues to re-age this debt monthly starting XX/XX/XXXX maliciously to make this debt appear new and/or current. After speaking with XXXX Credit, they too, sent a request to XXXX XXXX XXXX XXXX as this company illegally re-aging this debt. 

CBSA continually sends two medical invoices with the names of minor children attached versus a bill for this alleged debt. The original creditor never sent a bill or any information saying a debt was owed which is why CBSA continues to send medial invoices which are paid by my insurance company. 

All credit agencies have removed this debt, however, XXXX has not, and has allowed this debt to remain and allows CBSA to re age this debt on a monthly basis. This is illegal according to Federal Law. 

A police report was filed against both CBSA and XXXX XXXX for fraudulently sending a debt to a collection agency then to credit agencies for a debt that is not owed as no service was provided for the debt they are claiming. 

They have intertwined medical debt ( paid by insurance company ) with this other alleged debt. My insurance company Tricare ( federal government ) is investigating XXXX XXXX for attempting to bill fraudulently under my name for a provider/doctor I have never been a patient of or seen. Those claims were denied by the insurance company for inaccurate billing and/or billing under a doctor which I was never a patient. 

After alerting my insurance company of the fraudulent activity, the company XXXX XXXX retaliated by sending medical invoices intertwined with an alleged bill to the collection agency CBSA who is illegally re-aging this debt monthly as I have continually disputed the nature of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: OH

Complaint narrative:
I called in regards to a debt. I received two letters and a filing from the court. I have never spoke to anyone from this company or received any other information from them. 
When speaking to XXXX he told me I had two debts with him and asked me what I could pay hm today to resolve the debt. I told him I had {$100.00} today and he said that wouldn't be enough to take care of the two debts. He could give me only {$120.00} for the one. I asked about the third debt I had. He told me it was in another department and he could transfer me after I paid these two. I told him I wanted to know all I owed to them He said he couldn't tell me that but unless I paid him today he wouldn't give me the other offer again. I said I needed the whole amount and that's when he started basically yelling at me that he needed my payment before he could do anything and talking over me and telling me there's nothing he can do for me if I didn't pay him now. I told him Idid n't appreciate the way he was talking to me and he continued to be rude and ignoring what I was telling him. All he was concerned about me paying him today. He didn't ever once offer me the payment options that are in the letter they sent me either. He only wanted me to pay the both today. I spoke to the legal dept and made arrangements with them on the larger amount but I had to get a manager on the phone to transfer me to them. He would only give me the number to call myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: NY

Complaint narrative:
I notified Equifax that I am a victim of identity theft and that there are fraudulent items listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I received a letter stating that a checking account had been opened in my name, the letter provided an account number and routing number. A letter followed immediately stating that the bank identified this as potential fraud and access had been blocked. I tried to call bank and it wants me to input a ssn, which I did not do. I tried to get through to an operator and when I did, I got hung up on. 
The Banks info is : PENFED Credit Union. 
Address of bank : XXXX XXXX XXXXXXXX, XXXX NE XXXX. 
Bank phone number XXXX Bank web page : PenFed.org

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 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX I opened an account with Capital One Platinum, The Deposit was {$200.00} as was the Credit Line. 

In XXXX I experienced financial Hardship due to Covid-19 Pandemic ( No fault of My Own ) I followed the requirements of the Cares act & I sought relief from Capital One Due to the Pandemic.

I was enrolled into their Covid-19 protection plan to which I would not receive any derogatory marks on my credit, however the account may accrue interest.

Unfortunately Capital One did not follow the Guidelines set fourth by the Cares Act & closed my account without my consent or knowledge and reported late payments and a charge off.

" The Cares Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. '' Because of this I have had inaccurate and misleading information published on my credit report & it has damaged my process to purchase a house and effects my very livelihood.

I have reached out to Capital One Numerous times to rectify the situation and have been treated with rudeness and unwillingness to come to any resolution. I feel that Capital One and other predatory Credit Lenders should be held to the highest of compliance and responsibility when it comes to following the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: MA

Complaint narrative:
Since XXXX I have sent multiple requests via email to XXXX and via mail to TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX regading fraudulent reporting of my name. 

They still will not update this erroneous information. 

On XX/XX/XXXX at XXXX I called Transunion at XXXX & spoke to XXXX who advised that she could not update my personal information to remove fraudulent info because the system was down

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