vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-18 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 received a copy of my credit report and noticed fraudulent accounts. this is stopping me from obtaining credit and according to the FCRA this must be removed please.

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 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a checking account with Citi bank. The bank has been charging me XXXX XXXX monthly fee. When I called the bank last year in XXXX they said if I have {$500.00} minimum deposit in the account then there will be no fee. 

I deposited {$500.00} last year and bank has been deducting {$12.00} per month from my account. When I called the Customer relations officer they said bank will not charge any fee due to Covid till XX/XX/2021 restrictions. 

Still bank deducted {$12.00} per month from XXXX to XXXX XXXX.I have a Citi bank credit card. I also linked my family bank account with my account. 

Still bank deducted {$12.00} per month even after saying no fee will be duducted due to Covid till XX/XX/2021.

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 2021-04-18 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 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 2021-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I sent a secure message through the shellpoint self servicing site asking why when my mortgage was transferred to Newrez/Shellpoint, my Hazards insurance Mortageee clause has not been updated to Newrez, and continues to show XXXX XXXX, my prior lender before transfer, and asking if I should be updating it myself. 

On XX/XX/XXXX, I received a reply in email for someone else 's loan and data included, saying they acquired my loan on XX/XX/XXXX ( My loan closed on XX/XX/XXXX ), with subject line showing " RE : Contact Reply XXXX ''. That is not my loan number, the correct loan number is XXXX. Further, it said I did not escrow for hazard insurance. Clearly in my closing documents, signed escrow disclosure I did and still am escrowed for hazard insurance, and it scheduled to disburse in XXXX. I am very concerned about my data being kept with newrez, and wonder how many other customers this may have happened to. 

To this date, I have not got a answer to my question, and am concerned about receiving other loans data, and want to make sure my loans data was not shared with any other customers. 

This is very sloppy loan servicing at best, and have only had Newrez for a couple of months.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
XX/XX/2021 I, XXXX XXXX, meet with Bank Representative, XXXX XXXX at Manufacturers and Traders Trust Bank, XXXX NY to discuss the compromise of my checking accounts. 

She creates new account numbers and files for new bank cards. Within days, I receive the cards and within two weeks my car is broken in to and my new banking information -- which was left in my briefcase elsewhere -- was sitting on the front seat of my car. I reported this to the XXXX NY Police Department ( other items were removed from the car including clothing, pruning shears, etc. ). 

Now that I have received the new checks, my car was again broken in to and my new check book was removed from the car. At this time, both accounts are compromised. 

Also, I was traveling at this time ( between NY and NJ ) and when I arrived at the M+T bank in NJ, I was asked by the bank representative when the last time was that I used the checking account. She stated that my account was used just prior to my arrival at the bank ( a debit of {$.00} from XXXX XXXX ). The XXXX XXXX account -- which is not mine -- had my mother 's maiden name in it and the owner as XXXX XXXX. XXXX XXXX is a person of interest in two cases that were opened in XXXX XXXX, CA ( where I was drugged from XX/XX/XXXX-XX/XX/XXXX ). He has since been stalking me and I have not been able to receive help from any authority with this issue. 

The banking issue is certainly one of concern since I now must return to the bank and have them reissue new bank cards and checking account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 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 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX account is over 9yrs old and closed for 7yrs transunion refuses to remove this old account 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 2021-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent letters on XX/XX/21 about FASLE reporting and unlawful inaccuracies on my Credit Report to the Reporting bureaus ( Transunion, XXXX, XXXX ) and have still not received a response from them and it has be over 30 days. 

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted 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 2021-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens One billed me for a loan to pay for an XXXX XXXX all access purchased at XXXX. I never purchased an XXXX XXXX at XXXX and never applied for a loan to pay for the nonexistent XXXX XXXX. The most recent statement asserts a balance of {$870.00}. The last four digits of the bogus account number is XXXX. I do not know the account number. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. 
The first bill from Citizens One was dated XX/XX/2021, and the transaction date was XX/XX/2021. My first attempt to correct the problem was a telephone call that was transferred to 5 people before it was dropped by the 6th person who I was referred to. The toll free number was XXXX. Thereafter, I was referred to the fraud department at XXXX. Subsequently, I submitted my dispute in writing as directed to Citizens, XXXX XXXX XXXX, XXXX, Nebraska XXXX. A certified letter was sent on XX/XX/2021 and was delivered to XXXX on XX/XX/2021. There has been no response from Citizens One to date. A second statement from Citizens One dated XX/XX/2021 arrived on XX/XX/2021. The billing address is Citizens One, XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX. A letter was sent denying the claim which has now grown to {$870.00}. A copy of the XX/XX/2021 letter was enclosed. Thereafter, a second certified letter was sent to Citizens One at two addresses : Disputes Department at XXXX XXXX  XXXX, XXXX, XXXX XXXX and Account Services at XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX. This mailing included the XX/XX/XXXX letter and a new one dated XX/XX/2021. In the second certified letter I asked for relevant documentation in order to file a police report. Citizens One has not responded or acknowledged receipt of my correspondence. They proceed to treat this as a normal loan thereby ratifying the original theft and fraud. At present it appears that Citizens One is trying to profit from a crime. All credit reporting agencies have been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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:
I have sent letters on XX/XX/21 about FASLE reporting and unlawful inaccuracies on my Credit Report to the Reporting bureaus ( XXXX, XXXX, Equifax ) and have still not received a response from them and it has be over 30 days. 

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Social Finance, Inc.
State: OR

Complaint narrative:
In XXXX I made some purchases from XXXX. On XX/XX/XXXX a sectional showed as delivered but I never received it. Perhaps it was stolen I don't know. On XX/XX/XXXX I filed a chargeback with Sofi. I informed them I never received the sectional. XXXX responded with no proof whatsoever that I actually physically received the sectional. 

Sofi, despite having no proof whatsoever that I physically received the sectional ( which was shipped without insurance or signature required ), sided with XXXX. I appealed and originally they refused to look into it but they then re opened the dispute. After another 45 days they closed the dispute again with no evidence whatsoever that I physically received the sectional. 

I provided them with proof that I bought two sofas on XX/XX/26 because I hadn't received the sectional. I offered them a witness who was with me from XXXX non stop and can attest that I never physically received the sectional. I offered them my XXXX where they can clearly see the only two couches in the apartment were the new ones not the sectional. I also offered them proof that I lived in a one bedroom apartment and so it would be extremely difficult to fit a sectional and two sofas. 

In short I offered an insurmountable amount of proof that I never received the sectional. XXXX provided no proof whatsoever that it reached my possession. Per Sofis own terms I am supposed to be protected for goods that do not reach my possession. Simply being delivered does not ensure it reaches someone's possession. Additionally Sofi refuses to send me a pdf of their revised report, although they did confirm there is no actual evidence that I received the sectional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: MI

Complaint narrative:
My Citi credit card account was closed XX/XX/XXXX with an ending balance of {$730.00}. My credit limit was XXXX. Upon receiving my next billing statement after the account was closed, I noticed the amount due jumped hundreds of dollars of the previous balance. 

The last time I used the card was on XX/XX/XXXX which placed me right at my XXXX credit limit. The account was closed end of XXXX ending with a {$730.00} balance for my XXXX billing cycle. I had a payment that was supposed to have processed for the amount of {$270.00}, which unfortunately declined. 

I was then charged a returned check fee, as well an additional {$270.00} in error that shows up on my XXXX statement XXXX as a purchase, and on a closed account. 


I contacted Citi several times about the issue, XXXX XXXX I spoke with someone over the phone that stated she and her manager would place a dispute on the account for the error and to allow 4-5 business days for the error to be removed from my account. 


Today is XX/XX/XXXX and I have been getting the worst customer service, the run around about the issue, transferred from department to department, Ive spent hours on hours for days at a time trying to get the issue resolved and no progress has been made. 

Each agent I speak with state how they arent able to assist me, then transfer me in circles, I have yet been able to speak with someone or provided with accurate information on how, and who to speak with directly about getting this issue resolved right away, all to be unsuccessful every time. 

I am being charged more interest than I should be on a much higher balance now, as well as its sitting and causing more damage to my credit report than I have already done for myself.

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 2021-04-18 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: MD

Complaint narrative:
Experian and XXXX are reporting XXXX XXXX account on my credit report as being included in a Chapter XXXX bankruptcy. I have disputed this inaccurate information with both credit reporting agencies and they both came back and said that the information had been verified. Meanwhile XXXX XXXX sent me a letter stating that my correspondence does not provide sufficient information to investigate my dispute. Which means that Experian and XXXX did not do their due diligence and are still reporting information as being verified but it is not accurate. This failure to truly correct this inaccuracy has caused me an undue hardship. I am attaching my documentation received for you to review.

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 2021-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
This is a response to DESIGNED RECEIVABLE SOLUTIONS, that i allegedly owe this debt. I would like to point out that they are in violation of : 15 USC 1692f ( 8 ) A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section, not use any language or SYMBOL on any envelope or in the CONTENTS of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. They are also in violation of : 15 USC 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall NOT state that such consumer owes any debt. You can see the violations from the paperwork I have submitted from DESIGNED RECEIVABLE SOLUTIONS. They are also in violation of 15 USC 1692b ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureaus regarding my credit report concerning my consumer report. I have items that are reported on my credit report without my consent and that is a violation of privacy according to the FCRA. I have sent this letter over 30 days ago the bureaus and have yet to get a response from them and that is also a violation and I need these accounts deleted immediately. I am currently unemployed and these accounts are hindering me from finding employment and also auto insurance and getting financial resources which is very stressful for me and my family.

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 2021-04-18 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 only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 CERTIFIED CREDIT, XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2020 CREDIT  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX DEALER SERVICES, XXXX XXXX XXXX, XXXX, CA 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