vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 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: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
Greenlight XXXX is reporting erroneously on my credit report and it must be fixed. I have been disputing this with them for some time and nobody can ever help me. They are reporting an account on my credit as a repossession and it is not a repo!! They have admitted that they are reporting inaccurately but will do nothing about it. This account was paid in full and I returned the vehicle back to them. I did not stop paying on this account, I simply paid and returned the car and they continue to report erroneously on my credit file. I am aware that you are the furnisher and can report to the bureaus as you deem fit and I ask that you report accurately. If you can not do so, I ask that you send me a letter stating this account should not be reporting on my credit at all period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: KY

Complaint narrative:
On XX/XX/XXXX I sent Experian a dispute letter regarding fraudulent inquires showing on my report with no response. On XX/XX/XXXX I sent another request for validation of said inquiries on my credit file with no response. On XX/XX/XXXX another request was sent. To date Experian has yet to send me proof of that I indeed authorized these erroneous inquires on my credit file

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 2021-04-06 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: PA

Complaint narrative:
I already reached out to the credit bureaus and to SANTANDER CONSUMER USA for the account number XXXX and notify them of their error posting for this account. and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, and physical firsthand documentation of the payment history but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I already reached out to the credit bureaus and to PORTFOLIO RECOVERY ASSOC. for the account number XXXX and notify them of their error posting for this account. and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment and debt validation but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: AZ

Complaint narrative:
I lost my debit card last being used at a bar in XXXX XXXX XXXX called XXXX XXXX morning of XXXX of XXXX On XX/XX/XXXX XXXX XXXX suspects XXXX Americans XXXX NOTE : I'm XXXX  ) walked into XXXX XXXX and used my card as credit debit at the AZ XXXX machine ( scratchers ). Then proceeded to another XXXX XXXX down the road and hit that AZ lottery machine9 Scratchers ). After that they went a XXXX much north and used it there as well for AZ scratchers. I know they were scratchers because the locations provided me the AZ receipts of them and indicated what they were and what games were played. These XXXX criminals took me for {$2300.00} total. Now I have been with bank of America for over 19 years of a loyal customer service with no previous history of anything or ANY issues. When i called and filed a claim i quickly realized bank of America was NOT going to do anything and denied my claim. Bank of America has made me do everything including file police report which I did and send them surveillance footage with the criminals which I did and also provide the AZ lottery receipts. Police report number XXXX with the XXXX police dept. was submitted upon Bank of Americas request or lack of doing anything i should say so I did it ALL and provided them a packet with all the information with certified mail. It was received and quickly looked at my claim and it was closed ( not paid status ). This is terrible service to a customer who has been loyal for 19 years with a checking with direct deposit a savings account and 2 credit card accounts. They have been rude and unhelpful from day 1.

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 monetary relief
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank changed the PO Box number to send bills and my bill pay service XXXX informed last XXXX that they had received some payments back to them. I called CITIBANK and they told me, indeed, the PO Box had been shut down and gave me a new address. I sent my bills there and they went thru. One year later, CITIBANK closed my account, accusing me of MISSING PAYMENTS. I didn't. They closed their PO Box . Outrageous.

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 2021-04-06 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: NATIONWIDE ACCEPTANCE LLC
State: UT

Complaint narrative:
Nationwide is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit file and noticed this reporting on my credit. This account is very old and past the statute of limitations to enforce any debt collection activity in the state of Utah. Not only that, under the FCRA this account is past the credit reporting limit and continuing to report this debt is a violation. Please remove this account from my credit file.

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 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
just got another letter from FIRST NATIONAL COLLECTION BUREAU , INC . 
I called once before that i have never apply or have gotten a credit card from XXXX XXXX XXXX XXXXnd they told me that I did they argue with me about this account and i have never gotten any credit card from this place i don't know what to do so they can take this out of my record please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CA

Complaint narrative:
There are 3 accounts on my credit report that are not mine I have tried contacting the bureaus and they are giving me the run around and not answering anything. This is clearly identity theft and I need these off my credit asap. There are also 4 inquiries that are appearing that are not mine please help me out by removing these it si not fair for me to go thru this monthly with the bureaus for these accounts and inquiries. 

XXXX  - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - XXXX XXXX  XXXX - Acct #? Amt {$0.00} INQUIRIES XXXX XXXX XXXX - Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXXXX/XX/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 2021-04-06 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: CA

Complaint narrative:
There are 3 accounts on my credit report that are not mine I have tried contacting the bureaus and they are giving me the run around and not answering anything. This is clearly identity theft and I need these off my credit asap. There are also 4 inquiries that are appearing that are not mine please help me out by removing these it si not fair for me to go thru this monthly with the bureaus for these accounts and inquiries. 

XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - XXXX XXXX  XXXX - Acct #? Amt {$0.00} INQUIRIES XXXX XXXX XXXX - Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXXXX/XX/XXXX - Inquiry date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Per complaint # XXXX on XX/XX/2021 and final remarks received XX/XX/2021 reveals hud-1 and purchase contract did not show {$49000.00} and contract not signed. 

This documentation was initially submitted to XXXX in the Ombudsman department a month ago by email. 

I am forwarding the information again. 

Please see attachment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I already reached out to the credit bureaus and to CBNA for the account number XXXX and notify them of their error posting for this account. and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

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 2021-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation to do correctly. Please and Thank you I entered a consumer credit transaction with Consumer Portfolio Services on XXXX.which involved a finance charge along with a down payment of {$1800.00} cash. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. CPS is in violation of the 15 USC 1605 Truth In Lending Act. CPS didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Consumer Portfolio Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I applied for a loan modification and sent in a complete file ( p and L, 3 months business bank statements, rma, ss awards letter, hardship letter ). I have been calling in daily. I have a sale date for XX/XX/12. Nothing was being worked on. On Friday XXXX I was advised by XXXX that docs are sitting there and an email would be sent so the file can finally get looked at. That same day, I inquired about my payoff that I had ordered. My daughter has stated she may have the funds to pay off my loan since she just refinanced her home and had cash on hand. On Friday I was told they would fax it to me since they mailed it out instead of sending me it via fax as I requested. Friday ends and still no payoff was sent to me. Monday XXXX comes around, still no payoff and no update on my mod. Tuesday XXXX, I call again and was told my file cant be reviewed due to the XXXX rule. I told them that I am in California and that does not apply to me. At this point Im dealing with someone completely rude. I also needed assistance with my payoff as it seems that Selene is refusing to send it to me. Everyone knows about the issues with the us postal service these days, I do not have the time to wait for the mail to deliver it. I specifically asked for it to be faxed. I finally get a supervisor on the line ( XXXX ) who was able to get me the payoff via email and he also confirms that I was given bad info pertaining to the 37 day rule. That since I am in California, the rep should not have advised me of that. The supervisor stated he would reach out for an update on my mod, as there was nothing noted on my account regarding it. I call back 4 hrs later to see if anything was noted to my account and was told that they are barely imputing my information!!!! What does that even mean? She ( XXXX ) also stated nothing is very clear on my account as to what is going on with my file. There are numerous reasons why Selenes behavior is intolerable and the issues that Id like to bring to your attention are the following : The inability of Selene Finance to properly review my file in a timely manner since I have a sale date is intolerable. 
They completely disregarded my file because of incorrect info that did not apply to my state. Due to that, my file has sat there. Selene finance has been completely careless with my file. The number of times that I called to check the status of my file should extinguish any opportunity to excuse Selenes behavior. To top it off, the number of times I called regarding my other potential option to save my home was also disregarded. The payoff was ready XXXX and I was promised I would get it that same day and it took an additional 5 days. 
No one is giving accurate information and no one is being held accountable for these numerous issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
XXXX XXXX XXXX and ChexSystems have negatively affected my Chex systems consumer report. Chex Systems is reporting an account closed by XXXX XXXX XXXX which is fraud. Chexsystems is fraudulently reporting a XXXX XXXX XXXX to an account closed under my name on 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 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I cancelled my credit card on XX/XX/XXXX, as I did not want to pay the annual fee renewal of {$95.00}. I did not pay the {$95.00}, as I know that I didn't need to since I experienced financial difficulties due to COVID 19 and I did not need the credit card due to my financial hardship. 
I had over XXXX Thank You points when I cancelled. I was fully aware that I had to transfer them within 60 days of cancelling. 
However, when I cancelled my card, my TY points disappeared instantly. You will see this by looking at my XXXX statement when they were there, and my XXXX statement, by which time they had disappeared. 
I was told by a customer service rep that my points will be reinstated as soon as they issued a credit of the {$95.00} annual fee. 
Despite several attempts to recover my TY points over the next several months, the last attempt being today XX/XX/2021, I was told that I was beyond the 60 days to use them. Except - I never had those 60 days, the points disappeared instantly. 
In one conversation in late XXXX, a CSR told me has was going to try to reinstate my points and was going to follow up with me within 5 days. which of course he didn't do. 
All I heard was either : - Call Thank you Points service phone number, which I did, repeatedly. They send me back to the regular number of Citi customer care. And Citi sends me back to Thank You Points, and so on. No one claims responsibility for my loss of points. All they can say is that I passed the 60 days mark. Once again those points disappeared instantly in XXXX. 
- There is no further way to escalate. The " supervisor '' is the ultimate authority, like if there was no management or executives in charge at Citi. 
Basically, I was robbed of over XXXX points with no recourse.

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 monetary relief
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America Account # XXXX XXXX XXXX XXXX for {$37000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=1XXXX, SSN=XXXXXXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2021-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I authorized Wells Fargo Auto Loans ( WFDS ) to pull my credit on XX/XX/2020. They pulled it. 

I did not authorize them to pull it again, but on XX/XX/2020, they did so anyway. This is negatively affecting my credit score.

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 2021-04-06 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: KS

Complaint narrative:
Experian is reporting a fraudulent account on my credit report after XXXX XXXX stated they do not have knowledge or any information in their system regarding this account. Account number XXXX XXXX XXXX XXXX have sent multiple dispute letters regarding this account and Experian has yet to remove this account. Also, I havent made any payment towards this fraudulent account but Experian is reporting a recent payment of {$2.00}.

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 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
On XX/XX/2021, I received an email about a decrease in my consumer report. When I checked my report I noticed my score had dropped tremendously. Ability Recovery Service has reported that I somehow owe them money. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. 

To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave ABILITY RECOVERY SERVICE, XXXX, XXXX, OR XXXX any written consent to report anything on my consumer report, No consent is identity THEFT.

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