vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
i have asked LEXISNEXIS RISK SOLUTIONS a copy of my report because they say that they were unable to verify me they did not ask for any other information beside my name, social security number, DOB, address and license number they did not ask me for any copies of anything. 

I need a copy of my consumer report to verified everything is accurate attached a copy of my ID and a utility bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2022, I noticed that XXXX had billed me for their annual service of {$150.00}. I had just paid this amount on another card. I immediately placed an online dispute on my account. I was given an instant conditional credit for the charge. However, I made a mistake and accidently hit the resolve the dispute button in the system. So, I attempted to contact XXXX to resolve this matter. 

I contacted XXXX to ask them about the charges. The XXXX Representative could only locate the XX/XX/2022 charge and not the XX/XX/2022 charge. The XXXX representative said that I would need to conference in the Citibank account holder to validate the duplicate charges. So, I conferenced in Citibank who verified my identity before chatting with the XXXX Representative. 

The Citibank representative found the duplicate charges on the two Citibank accounts ( the {$150.00} on XX/XX/2022 listed on the account ending XXXX / XXXX ) and the {$150.00} charged dated XX/XX/2022 for the account ending in XXXX. The Citibank representative agreed, validated and confirmed that I had been billed twice by XXXX. 

The XXXX representative could not locate both charges in their system and asked the Citibank representative to file a dispute with XXXX so that this matter could get resolved. The Citibank representative indicated that they would and asked me to submit an email to Citibank Billing disputes and provided me with XXXX ID - XXXX. I submitted the credit card statement through email and added the case ID provided. 

On XX/XX/2022, I contacted Citibank again to find out the status of my dispute. The agent indicated that the prior agent had not submitted a dispute on my behalf and that the dispute had been closed. ( SURPRISE ). I asked the Citibank agent if they could resubmit the dispute and I was told that once a decision was made that a dispute could not be re-opened. The agent indicated that he would try to resubmit the dispute but could not guarantee that it would be resolved. He instructed me to send the credit card statement to the billing dispute department and include Citibank XXXX XXXX. I sent this email and resent the dispute. 

After an additional 7 days, CITIBANK HAS DONE NOTHING AND THE DISPUTE STATUS IS THE SAME. I think this is terrible and I can't get this resolved since XXXX can't find both charges and Citibank refuses to re-open and resubmit this dispute. 

I am writing to the CFPB to get this dispute resolved as I find no other way to get it resolved. 


Citibank Case ID - XXXX OR Citibank Case XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10 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: NV

Complaint narrative:
I requested a {$53.00} XXXX XXXX be removed from my XXXX, Equifax and XXXX reports. XXXX and XXXX removed the collection however, Equifax 's investigation resulted in the collection remaining on my Equifax report. XXXX XXXX are suppose to fall off under {$500.00} starting in XX/XX/2022. Will you assist with having this removed? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My issue is with an auto loan from XXXX XXXX XXXXXXXX. Equifax has a 30 day late in XXXX and XXXX but XXXX has XXXX late payments for XXXX & XXXX. I was never late on this loan and the auto was paid and closed between XXXX XXXX. My payment date for the account was the XXXX of each month. Ive sent multiple disputes letters and was told it would take 30 days to investigate. Equifax claimed it was verified. XXXX failed to respond. XXXX claimed verified. I asked all three to send me how the late payment was verified and no response From each credit agency and letters were signed and delivered. I called XXXX  XXXX XXXX to see what was going on and they told me that nothing was never late and they sent the credit bureau the closed paid off account & they stated that no one contacted them about the file because when consumers dispute item they add info in the file and nothing was in my file, so Im wondering how did they verify. XXXX has XXXX XXXX day lates but the car was paid off in XXXX so how was I late? I have no idea and no one seems to know anything. My credit report is clean! And never missed a payment on ANY account. I sent experian a letter that was delivered XX/XX/XXXX and they failed to verify in 30 days and they told me now that my letter was missing and they cant change anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: WI

Complaint narrative:
XX/XX/2022 I sent XXXX a dispute letter demanding to remove XXXX accounts thats not mines. XXXXXXXX XXXX {$120.00}, XXXX XXXX {$3000.00} and XXXX XXXXXXXX {$0.00}. They are not following you guys rules, they have yet to provide me with investigation results. I also sent a 30 day to comply and haven't seen any changes or removals. Same with XXXX and Equifax and same accounts, except XXXX has a account XXXX XXXX {$840.00} that I also demanded to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XX/XX/2022 I sent XXXX a dispute letter demanding to remove 3 accounts thats not mines. XXXXXXXX XXXX {$120.00}, XXXX XXXX {$3000.00} and XXXX XXXX {$0.00}. They are not following you guys rules, they have yet to provide me with investigation results. I also sent a 30 day to comply and haven't seen any changes or removals. Same with Experian and XXXX and same accounts, except Experian has a account XXXX XXXX {$840.00} that I also demanded to be removed.

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 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX, {$550.00} was transferred ( Unauthorized ) out of my EDD Bank of America account. 
XX/XX/XXXX {$5000.00} was transferred ( Unauthorized ) out of my EDD Bank of America account. 

XX/XX/XXXX - I contacted Bank of America fraud dept and started a fraud claim. 
XX/XX/XXXX - I received a letter stating the claim was not approved. Reason was " we found it was made by an authorized user or someone you gave your online password to '' XX/XX/XXXX - I spoke to BofA fraud dept Supervisor XXXX XXXX and was told to fax the rejection letter to reopen claim. I did so. 
XX/XX/XXXX - Spoke to XXXX and Supervisor XXXX. Didn't see request to be re-opened by XXXX. She said she would re-open request. 
XX/XX/XXXX - Received rejection letter from BofA stating " They didn't receive approval from payee to reverse the {$5500.00} transferred into their account. We recommend contacting the person sent the funds '' We don't know who they are! 
XX/XX/XXXX - Was told claim was denied again, due to the me being affiliated with the outgoing account. Call XXXXXXXX XXXX Fraud dept and ask about the account. 
XX/XX/XXXX - Spoke to XXXX XXXX  fraud Dept. They confirmed NO accounts are in my name, SS #, etc. They had no info on the transactions. 
XX/XX/XXXX - Called BofA fraud Dept ( XXXX ) and told her about XXXX XXXX  response. I asked for documents to support BofA finding. No documents were ever received. 
XX/XX/XXXX - BofA fraud supervisor ( XXXX ) told me claim was still under investigation. 
XX/XX/XXXX - BofA XXXX  couldn't see on her side if a decision was made. She filed a complaint. I asked for a supervisor. She said one would call me back. Never received a call. 

XX/XX/XXXX - I submitted a Fraud claim with the EDD XX/XX/XXXX - BofA ( XXXX ) transferred to fraud dept. On hold for XXXX. 
XX/XX/XXXX - BofA XXXX ( wrong dept, transferred ), XXXX ( wrong dept, transferred ), XXXX XXXXSupervisor can't pull up info ( Transferred ), XXXX XXXX wrong dept, transferred me even though I asked for a manager ), XXXX ( prepaid claims ) passed me to Supervisor XXXX XXXX Re-submitted claim. Said we would be contacted in XXXX. 

XX/XX/XXXX - Was transferred multiple times, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX ( card/account was closed ) she reopened it. Passed to supervisor XXXX - Claim Denied again. She asked for letter to be faxed from XXXX XXXX stating I didn't have an account with them. We requested documents to support rejection. 

I'm being given the run around. I never authorized the transactions into any account. I never changed my deposit account. Some outside person/group must have hacked their system and changed my info. Then transferred the funds. 

Please let me know what addition info you need.

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 2022-11-10 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: AL

Complaint narrative:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-10 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: Ready Capital Corporation
State: FL

Complaint narrative:
A XXXXXXXX XXXX  processed by ReadyCapital has been reported as delinquent to XXXX, after I filed a complaint with the XXXX XXXX XXXX because the loan name is not my name. It looked like a fraudulent transaction between some loan processor and ReadyCapital, under the label of XXXX. I requested XXXX to fix it, but XXXX said that only ReadyCapital can do it. Despites of letters, and many calls that were never answered the problem persists. Even the XXXX XXXX of XXXX did not answer my complaint. I do not know many cases are like this, but this is affecting my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I have contacted the company on various occasion trying to resolve the matter to no avail, I receive an email stating that they cant verify my identity and I am no longer responsible for the amount, I contacted them on XXXX, the amounts are XXXX and XXXX, I have email going back and forth trying to resolve the matter and also emails from them stating that the balance will not be my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted Trans Union and XXXX via certified mail on XX/XX/2022 to initiate further investigation and removal into incorrect information/mis-reportings on my credit report. 


I had previously worked through the reporting institutions as well as a credit repair agency for help with this matter, to no avail ( yet ). 

They are reporting false and inconsistent informational and have given no basis of proof for why or how they are determining this. 

They have neglected to respond with any of my requested information, and are not properly verifying this information. 

Additional Notes : We are disputing a claim from XXXX XXXX put a charge-off on our account without notifying us ( a CfpB complaint was filed ) I will attach : my letter to Transunion my letter to XXXX a screen shot of the credit issue on my report so you can see the details and inconsistencies with dates, amounts and 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 non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX Account # : XXXX Balance : {$15000.00} Open Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Account # : XXXX Balance : {$21000.00} Open Date : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-10 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: AL

Complaint narrative:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 
XXXX XXXX Account # : XXXX Balance : {$500.00} Open Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX Balance : {$3000.00} Open Date : XX/XX/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 non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: FL

Complaint narrative:
I am disputing the incorrect information listed as collections that is being reported on my XXXX report. This has been paid and closed. Nothing is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My taxes are escrowed. 

Received delinquent notice for town tax payment on XXXX stating that town tax was not paid as of XXXX. Contacted Mr. Cooper on XXXX and the representative instructed me to send the delinquent notice to XXXX. I sent the delinquent tax notice to the email address on the same day XXXX, included name and property address and loan number as instructed. 

I called Mr. Cooper on XXXX to inquire if the delinquent town tax was resolved. I was told that I need to wait until 7-10 business days after sending the email with the delinquent notice to them and to call back then. 

On XXXX ( 10 business days after XXXX ) I called Mr. Cooper to inquire if the delinquent town tax has been resolved. I was told that the tax was paid in XX/XX/2022 ( which my account shows the disbursement back in XX/XX/2022 ). I told them that I sent them the delinquent notice as instructed on XXXX since it was not paid as of XXXX, so the need to take care of this. They asked me the amount and parcel number on the delinquent notice, which I answered. They asked me to email the delinquent notice to XXXX, at which I responded this was ALREADY SENT XXXX, and apparently no one has done anything with it. 

Delinquent notice indicated that this will be sent to collections if the town tax is not paid. Mr. Cooper has not done anything to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My wife and I have been long time Capital One customers. We have credit cards and she holds the savings account with Capital One. She recently checked the interest rate on the savings account and noticed that the rate was still at 0.30 % no where in line with the current market rates for savings accounts. When she called to ask how come the rate didn't increase with the market she was told that Capital One no longer offers the " savings '' account but instead has a XXXX XXXX XXXX account that we would need to upgrade to in order to get the new rate. I have been in community banking for over XXXX years and I believe this to be a deceptive trade practice. There's XXXX industry or regulatory reason that Capital One would need to establish a new savings product and instead is just a way for them to avoid increasing the rates for existing customers. Therefore all of their existing customers with regular savings accounts are getting drastically below market rates of interest unless they call in to switch. This is just not right and consistent with a company that should be acting in the best interest of their customers. You shouldn't be allowed to just create a new account product just to avoid paying increased interest rates to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( Transunion, XXXX ) violated my rights. 
Under 15 USC 1681 Section 602 states I have a right to privacy. 
15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish my account without my written instructions. 
Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open plan as late for any purpose.

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