vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-05 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:
I don't recognize this account. I have never applied for this. i'm not responsible for this debt. I have no contracts or agreements with this company.

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 2020-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Northern Trust Company, The
State: FL

Complaint narrative:
On XX/XX/XXXX this letter was sent by E-Mail to a Vice President of Northern Trust XXXX with whom there has been abundant E-Mail communications. 

There has been no response. 

Response to this request would be time critical, as Northern Trust would be in the process of preparing paperwork to be signed to close this estate. 

Upon my receipt of the paperwork to close the estate, there would be by law thirty days to agree or disagree to closure. 

I can not agree to closure until the requested documents mentioned in my XX/XX/XXXX E-mail have been provided for my review. 

For reference there have been three, now four, CFPB complaints regarding request for documentation of charges to the estate. The latest was XXXX-XXXX. 

Letter : XX/XX/XXXX Due to water damage in XXXX to my dwelling I still do not have access to all the documents pertaining to my fathers estate which are still packed away in boxes. 

Today there was review of the monthly account statements for the past several months. 

There are two documents which must be received and reviewed before I will sign the pending estate closure agreement.

1. On the XX/XX/XXXX monthly account statement there would be a charge to the estate of {$6200.00} to XXXX XXXX XXXX, XXXX. 
Please forward all correspondence and documentation regarding this charge. 

2. On the XX/XX/XXXX monthly account statement there would be payment to the estate lawyer, which would be contradictory to a statement in a letter from a Senior Vice President that Norther Trust would have no further involvement with this estate lawyer.

This brings into question the statement from this Senior Vice President by letter that if I agree to close the estate uncontested, the estate would not be charged?

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 2020-04-05 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:
I don't recognize this account. I have never applied for this. i'm not responsible for this debt. I have no contracts or agreements with this company.

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 2020-04-05 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:
I don't recognize this account. I have never applied for this. i'm not responsible for this debt. I have no contracts or agreements with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank refuses to let me apply for a mortgage claim theyve ended banking relationship with me but thats not what I was told I was told they ended the deposit relationship but that I can still have other products with this bank such as mortgage credit cards just no deposit such as checking accounts with them but I was shocked to have called them and they treated me awful telling me that I cant get anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: TN

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing because though i have expressed many concerns with my credit report with the credit bureau, they have yet to remove this inaccurate reporting from my credit report. 

I pulled my report and it seems there is a collection report reporting OPEN and 120 days late. Well i have been doing research and i know this is impossible for a collection account to be late. i also know it is a violation of FTC. 

Please remove this account from my profile immediately. 
XXXX Credit Report Reference Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: FL

Complaint narrative:
A purchase was made on a XXXX 's credit card approximately four years ago. The purchase was in the amount of about {$40.00}. The charge was paid by personal check through the mail, and did not get posted to the account until several days after the due date. This resulted in a late fee which was more than 50 % of the original purchase. Negotiation attempts were made to settle the fee with no success. The credit company continued to bill the late fee while adding additional fees and interest on top of the fee ( not the original purchase amount ), which ultimately reached an amount of {$310.00} as the balance stands today. The amount trying to be collected is now with a credit agency, Credit Control , LLC. They are requesting a settlement amount of {$140.00}, but again, the original purchase was paid in full which was just {$40.00}.

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 2020-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
So I obtained a loan through usaa for a used XXXX XXXX. I was paying for the car till I went through some hard times the vehicle was purchased in XXXX where in XXXX it was repossessed the amount that I owe the for the car has changed between several amounts and on multiple calls it's a different amount. The amounts range from XXXX, XXXX, XXXX and XXXX every call to usaa over the years lead to a different number. After the repossession appox a week later the vehicle was returned to me and they still made me responsible 5 years later but without a clear amount that is owed. Also on my credit report it is being switched between being active and non active after placing it in a write off profit and loss. In doing so its keeping the account alive when it should be closed and at some times they switch it from write off to repossession after they've already repossessed and returned the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Ability services LLC is working with XXXX University creating falsified accounts and demanding payment. They're dragging their feet and try to stall consumer financial protection Bureau. I have documented proof that they are doing this it will be formed to the PDF of all below. Please read so you have a brighter picture

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 2020-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi / AAdvantage Platinum Select World EliteTM MasterCard I have several issues with this card that started before the corona virus but now the main issues is I cant not reach anyone in customer service. I have called for days and wait on hold for 3+ hours and no one answers the calls. I have reached out via XXXX messenger and was told someone would call me and no one has called. I have also tried to reach someone via chat and that is not working either. This is the message I got on XXXX  and NO ONE HAS CONTACTED ME!!! >> " Hi XXXX, thank you for contact info. We are escalating to our Executive Response Unit. Please note that it may take at least 2 business days for our request to be received. In light of recent events this time frame may be a little longer. We appreciate your patience and understanding while we work to have your concerns addressed. ^XXXX  '' I am sick of this and the virus is no excuse because XXXX XXXX answers calls.

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 2020-04-05 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My auto loan company has refused to report accurate information to the 3 credit bureaus regarding my payment activity to them. When my account was delinquent this company reported the late payments and balance due consistently. Since bringing my account balance current Santander Consumer USA has failed to report accurate payment activity and balance information to the credit bureaus which is causing my payment activity to show negatively on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting my credit report with the disputes under the fair credit reporting act. 

Experian Records management system is automated and it has not fixed the errors with my credit report. The problems that i am experiencing has caused me great harm and needs to be addressed immediately. The accounts all show closed in status but it is harming my credit score due to negligence. The negligence is not entirely experian fault but its subscribers that report to this reporting service. 

The eleven accounts subscribers customer service representatives did not include the notes in the accounts before an mutual agreement was made before it was submitted to the account managers. The account managers only verified the notes between me and the representative and closed the accounts under my request due to XXXX XXXX caused by XXXX XXXX and home care with hospitalizations. 

I have even offered to let the companies representatives the right to speak to the hospitals and XXXX by which they have said it was not necessary before i spoke to the account manager before the closure of the accounts. 

I have found Eleven errors in my credit report and under the fair credit reporting act i am demanding my rights under the following sections Sections 603 ( i ), 604 ( c ), 604 ( e ), 615 ( d ) old addresses removal page 3/31 Sections 611 ( a ), 1681 ( i ) Modifications to payment legend to show payments XXXX, XXXX-XXXX,XXXX   Sections 1681 ( c ) Removal time barred debt removal fair debt collections practices act XX/XX/31. 
I understand 35 percent of my score is payment but it is not shown or reflected on the accounts by which i am submitting my credit report with the pages to show how it should look with corrections in ink. 

Please delete the account if by 30 or 30 according to the month if the information is un-verifiable the subscribers services of these companies have given me the run around so much that i had to come here for closure.

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 2020-04-05 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: ID Analytics, Inc.
State: GA

Complaint narrative:
Have attempted to order credit report several times ... all other agencies provide info online without so much hassle ... why is it necessary to download identification to this group??? 
Also, my credit score is near perfect with the three major credit reporting agencies, but with SageStream, about mid level?????? Have NEVER paid late, lots of credit, no reason whatsoever for this score ... they only want to communicate via USPS mail and refuse to mail all personal information! Too risky! Please investigate! Seems pretty shady they are allowed to give these low scores ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A purchase was made on a Macy 's credit card approximately four years ago. The purchase was in the amount of about {$40.00}. The charge was paid by personal check through the mail, and did not get posted to the account until several days after the due date. This resulted in a late fee which was more than 50 % of the original purchase. Negotiation attempts were made to settle the fee with no success. The credit company continued to bill the late fee while adding additional fees and interest on top of the fee ( not the original purchase amount ), which ultimately reached an amount of {$310.00} as the balance stands today. The amount trying to be collected is now with a credit agency, XXXX XXXX XXXX XXXX. They are requesting a settlement amount of {$140.00}, but again, the original purchase was paid in full which was just {$40.00}.

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 2020-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NE

Complaint narrative:
I was a victim of a puppy scam using a service I had never heard of called Zelle. The puppy owner seemed legitimate in the moment and when they said to use Zelle I was happy to see it as an option in my online banking application for XXXX XXXX. They sent me an email and owner name and I authorized the transaction through my own bank application. Never in a million years would I have thought that I could get scammed while directly logged into my own bank account. If I had ever heard this Zelle was like XXXX I wouldnt have brought my walls down. 

I suspect my bank ( XXXX XXXX  ) and Zelle will not offer to stop or refund my transaction. I waited on a phone call to Zelle and they transferred me and then hung up on me after 45 minutes. My bank is not available today but I sent them a message. The fraudulent company is no longer returning correspondence. Ive included their contact info below. The main thing I want is for this to not happen to anyone else in the future. Please stop this fraudulent company. They used a real XXXX XXXX, FL address that has been the victim of other puppy scams in the past. 

This article is exactly what happened to me. There are others who are becoming victims. Please help to stop banks legitimizing Zelle. They arent doing anything to warn customers of potential for fraud. There must still be millions of customers just like me out there who havent heard of Zelle but find it on their bank app and way to easy to transfer money. 
https : XXXX I have also filed a fraud report with XXXX. 

Fraudulent Actor Zelle Acct : XXXX XXXX XXXX Fraudulent Business Info : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX : XXXX Online Purchase Lost {$750.00} Article that mentions puppy scam activity using this same address is below. We came across this article after our transaction when we began to suspect fraud. 
https : XXXX XXXX I have attached screen shots of the website in case they take it down. I also included screen shot of my banks status of the transaction and how they should be able to stop it but likely will not based on what I am seeing online from other victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Your full name : XXXX XXXX Current address : XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX  XXXX, Mo XXXX SSN:XXXX Date of birth:XX/XX/XXXX Date:XX/XX/XXXX New information request : Dear Creditor, Im not sure why your company is still reporting this inaccurate account to the credit bureaus, but I have a new information request based on the account. 
Creditor : Account : Please show me proof that your reporting is 100 % accurate. I would like to know that my rights are not being violated. Because the reporting of this item is not following the reporting procedures stipulated by the Fair Credit Reporting Act, I request an immediate deletion. 
Please pay attention :

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 2020-04-05 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: AR

Complaint narrative:
Upon reviewing a recent copy of my credit report, I noticed several accounts that I were associated with or were established without my knowledge as well as consent. It became immediately apparent that these accounts were from the direct result of identity theft or fraud. I have no recollection or establishing these accounts nor have I received any goods or services from these accounts. After reaching out to the local authorities, I was advised to complete and send in a copy of a identity theft report to the credit bureaus. I since have sent a copy of an identity theft report to all three major consumer reporting agencies ( Experian, XXXX, & XXXX  ). I also listed fraudulent addresses along with some inquiries that were never requested on my behalf. I recently received a letter from Experian refusing to honor it due to my request was made in error or I have received, goods, money, or services on behalf of my of the fraudulent related accounts. I find this FALSE accusation very absurd, discriminatory, and a violation of my consumer rights as well as the Fair Credit Reporting Act in regards to section 605b, 609, and 611. Experian has received supporting documentation supporting my claim and did not even attempt to pursue an investigation. Experian has no way of knowing any goods, services, or money I received due there automated data furnisher or e-oscar verification system which only verifies a consumers name, address, and social security number. I find this response totally unacceptable and plan to proceed to take legal action if this matter is not resolved very quickly. The specific accounts listed on my identity report were 1. XXXX  XXXX # XXXX, 2.XXXX XXXX  # XXXX, 3. XXXX  XXXX # XXXX, 4. XXXX XXXX XXXX # XXXX, 5.XXXX  XXXX  XXXX # XXXX, 6. 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 2020-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc.
State: MO

Complaint narrative:
Your full name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX  XXXX, Mo XXXX SSN:XXXX  Date of birth:XX/XX/XXXX Date:XX/XX/20 New information request : Dear Creditor, Im not sure why your company is still reporting this inaccurate account to the credit bureaus, but I have a new information request based on the account. 

Creditor : Account : Please show me proof that your reporting is 100 % accurate. I would like to know that my rights are not being violated. Because the reporting of this item is not following the reporting procedures stipulated by the Fair Credit Reporting Act, I request an immediate deletion. 
Please pay attention :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Sunday XX/XX/2020 called synchrony bank XXXX XXXX XXXX spoke with XXXX. 
Informed XXXX that I no longer have income and would like the account closed with no interest or late fees accessed. Per XXXX the account is closed to purchases but no closed completely. Have asked could the account be closed with no interest or late fees included. Per XXXX the account will need to be sent to third party before that could happen. Informed XXXX I have no income at this time due to the pandemic virus. Per XXXX only late fees will be waived of XXXX but payment will be needed to be made. Informed XXXX due the circumstances I have no income.

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 2020-04-05 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: OH

Complaint narrative:
Someone is using my identity applying for credit and I have a lot of inquiries in my credit profile and I dont know how I got them on there. My social security card and wallet was stolen. Thats an issue. I need to dispute the inquires and they need t be removed. I need it to be investigated and corrected.

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