vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: VA

Complaint narrative:
I made an online purchase on XX/XX/21 for {$63.00} through XXXX using my Citi card. I received an email confirmation of my XXXX transaction that included the correct shipping address for the item. However, I did not receive an email confirmation from the online store. On XX/XX/21 and XX/XX/21, I sent inquiries to the email address on the XXXX confirmation regarding the status of my order. I received no response. 

I initiated a XXXX dispute on XX/XX/21 ( XXXX ). They closed the dispute on XX/XX/21, stating that they contacted the seller and received delivery confirmation. However, they would not release any additional information, including the tracking number provided by the seller. 

I initiated a Citi dispute on XX/XX/21 ( XXXX ) and provided a record of my receipt and failed attempts to reach the seller. On XX/XX/21, I received notice from Citi that the seller provided delivery confirmation and Citi would close the dispute. This time they provided the tracking number ( XXXX ). 

I contacted XXXX via live chat on XX/XX/21. The representative confirmed the item was delivered on XX/XX/21. She also confirmed that the mailing address I provided, the same one on my XXXX receipt, was not the address to which the package was addressed. Unfortunately, for privacy, she could not release the actual address. 

I provided this information to Citi via phone, email, and live chat. I then received notices on XX/XX/21 and XX/XX/21 from Citi stating, " We previously requested necessary information from you concerning this dispute. We did not receive a complete response to our request. '' After each notice, I contacted Citi via phone, email, and chat, inquiring about what information they needed. I received reassurance through each channel that the Dispute Department would contact me. Finally, on XX/XX/21, I saw that Citi again closed the dispute because I did not provide them the information they requested. 

At this time, I am out of options. I can not contact the merchant directly. I provided Citi with confirmation from the shipping company that the item was addressed incorrectly. In the end, I never received what I purchased, and I truly hope you can help me find a resolution.

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 2021-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
For several months I have been writing to NCB and XXXX about an account reporting to my credit report with them. I disputed the accounts with the three major bureau 's but the information came back as certified by the furnisher however when I have requested information in regards to these accounts I am not receiving all of the documents requested. In the state of Florida a company who repossess a car should provide a notice to the borrower 10 days prior to the sales date and must notify the borrower of the time and location of where the vehicle will be sold. Today, XX/XX/2021 I called XXXX XXXX and spoke to a customer service rep XXXX I advised her that I never received notice of the sale or a breakdown of the deficiency balance. She advised that she could not send me that information due to " time sensitivity '' I advised that as a consumer I feel as though I have the right to access information regarding the accuracy of information reporting to my credit report. I then called NCB and spoke to XXXX XXXX who advised me that she would be willing to arrange a pay for delete for {$1500.00} if I did not request to validate the debt. I told her I appreciate the offer however I have a right to receive this information. XXXX XXXX then advised that the validating information was sent to my home XX/XX/2021 per a letter received XX/XX/2021 when the last time I sent them mail was XX/XX/2021 and as of today XX/XX/2021 the information has not arrived to my home. I called back and notified XXXX that I had not mailed anything to their offices in late XXXX or early XXXX and her response on the recorded line is due to Covid we are possibly backed up. I am curious to know how the bureau were told this information was certified by XXXX XXXX or NCB Management Service so quickly with the bureau 's

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing due to non- compliance with the CRA ( Equifax ). 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I negotiated a settlement on an XXXX XXXX XXXX account with XXXX XXXX ( file number XXXX original amount {$1900.00} ). I have attached a copy of their letter agreeing to settle the bill for {$250.00} and remove the balance from my file. 

I have also attached a copy of my payment of this amount. 

They simply applied the payment to the balance and left a residual balance on my credit files. I disputed this with all three bureau and the balance remains.

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 2021-07-29 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: WA

Complaint narrative:
I negotiated a settlement on an XXXX XXXX XXXX account with XXXX XXXX ( file number XXXX original amount {$1900.00} ). I have attached a copy of their letter agreeing to settle the bill for {$250.00} and remove the balance from my file. 

I have also attached a copy of my payment of this amount. 

They simply applied the payment to the balance and left a residual balance on my credit files. I disputed this with all three bureau and the balance remains.

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 2021-07-29 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a Chase Bank client for more than 15 years. I applied for a credit card and immediately they run a hard inquiry on my credit report without having the documentation needed. Weeks later, I received a letter saying that they need more documentation to complete the application. To make sure, I went to a Chase Branch an a Chase '' s business specialist checked the documentation and sent it by fax to them. On XX/XX/XXXX, I received an email saying that the documentation they received were illegible and they sent me a link, so I sent the information again. This week, I spent 1 hour 45 minutes waiting for a customer service at the Lending Department, no answer. On Tuesday I waited for 2 hours 16 minutes and somebody answered but the communication went down. Today, XX/XX/XXXX I called at XXXX XXXX  somebody answered the call at XXXX at the Lending department and said that the documentation is there but has been transfer to the Senior Specialist Department and he transfer me there and they said that the application has been denied because the documentation was not enough. I accept the decision even when my credit score is over XXXX, it is their decision. I requested the hard inquiry to be removed from my credit report because they run my credit without having the documents complete for the application which It is completely unfair for the customers because the only reason I continue with the process it is because they run my credit report. They should run the credit report when they have the application and documentation complete it. The customer service told me on the phone that he will be transferring me with the person in charge of the inquiries reports but I have been transfer to started over with the general customer service and then I've been transfer 3 more times and at that time I gave up on my desire to ask for a fair customer treatment. 
Warm Regards, XXXX XXXX XXXX # ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The use of the debt collection tactic thats in question violates 15 us code 1681b, 15 us code 1681 a ( e ), 15 usc 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I processed my income taxes using XXXX at the end of that process I was offered the ability to create and have my refunds depostied to and payments be taken from a Credit Karma XXXX XXXX  account. I agreed to this and the account was opened before XX/XX/XXXX My issue is that there is a balance left in the account and I am not able to access it. I have attempted ( as advised by Credit Karma ) to Link my other bank account and each time I try I get a message " ..we hit a snag on our side ... '' Initially when I tried this in early XXXX I thought to give the system some time in case there was a bug and try again in a few days. When this continued to fail with the same message I tried to simply spend the money using the debit card I received and that gets rejected each time. 
I contacted Credit karma member support on the phone about this issue on XX/XX/XXXX and was unable to resolve the issue. A case was opened CASE # XXXX and I was told it would be '' redirected to a more specialized team that is better suited to look further into the matter. '' I got an email with this information. 
On XX/XX/XXXX, 5 business days later I still had not heard anything and sent an email reply asking for an update. Nothing in response. 
Now it is XX/XX/XXXX, a full month from the date I opened the issue and still I have heard nothing. I emailed another reply asking for an update. I tried to find a status update and wound up opening another case for the same issue. CASE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: CA

Complaint narrative:
I previously had a case opened with the Bureau ( ID : XXXX ) which I was advised has been handled but I continue to have issues with my Citi Rewards Credit card # XXXX. My statement still shows that I owe {$60.00} and no one at Citi can tell me what this charge relates to. I have NOT been using this card and want to close the account as soon as this is cleared up. Please help. I've tried calling Citi 's customer service numerous times and they have no clue. I've never been more frustrated with a credit card. 

In addition, some of my statements no longer show up on Citi 's website so there's no way I can figure this out by 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 2021-07-29 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: Nelnet, Inc.
State: CA

Complaint narrative:
I have a student loan with XXXX XXXX, {$23000.00}. The loan was sold to XXXX  services with out my knowledge. I never got any correspondence from the loan transferring. The payment was then reported 60 days late to credit agencies. Loan is upto date now and set on auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2021-07-29 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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
After filing a complaint with this office, ( # XXXX-XXXX  ) 5th 3rd bank retaliated against me by filing a report with the Sheriff 's office against me and my wife. We were contacted by Deputy XXXX  Of the XXXX County Sheriff 's Office ( XXXX ) on behalf of 5th 3rd and told to not contact the bank again for anything under threat of arrest. The XXXX stated all contact must go thru the CFPB since this is where the complaint was filed. I should not be subjected to segregation or discrimination for making a discrimination complaint with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc.
State: SC

Complaint narrative:
Since XX/XX/XXXX I have not been able to withdraw or transfer funds or crypto out of binance US I am verified with a bank account connected to my Binance US account. I have contacted them thru their ticket submission multiple times. No call number is available. I received emails from XXXX an XXXX that work at binance US day the problem would be fixed or is fixed followed by a email saying they will move my case to a higher department. I am able to deposit funds or crypto into the wallet but I can not withdraws. It has been 3 months my bills are past due an they have done nothing in a speedy manner to fix the critical issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
so my account XXXX XXXX was wrongfully sold to another debt collector without my consent. now that someone has my personal information they are reporting XXXX that i dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I have been working to pay off my loan with Toyota Financial Services. Over the last 30 days, I made over $ XXXX in payments to pay off the loan in its entirety ; {$6300.00} was paid towards the principal. I notice that when I made what I believe is my final payment in the amount of {$730.00} which was the balance of my account on XX/XX/2021, TFS still has yet to apply the payment to my online account. I scheduled the payment for XX/XX/2021. The payment and funds was immediately taken out of my account on XX/XX/2021. As of today, XX/XX/2021 the payment has not posted to my account and has been showing as pending for the last 5 days. Meanwhile, the TFS is steady accruing daily interest on the account. Whereas the balance should be XXXX, it is still showing an account balance of $ XXXX ( see enclosed ). This behavior from TFS caused me to revisit the account from its inception and I have notice this has been the behavior of TFS, i.e., immediately take the scheduled payment from my bank account, yet wait 3-7 days before posting the payment to the account only to accrue more daily interest. 

This is foul and corrupt corporate practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
First week of XXXX I called the credit bureaus because they were reporting accounts inaccurately. They told me to submit disputes and to include my social, ID, and copy of utility bill proving identity/address. I did all this on XX/XX/2020. They all received my disputes certified the same week which will be uploaded here. Please help

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 2021-07-29 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:
First week of XXXX I called the credit bureaus because they were reporting accounts inaccurately. They told me to submit disputes and to include my social, ID, and copy of utility bill proving identity/address. I did all this on XX/XX/2020. They all received my disputes certified the same week which will be uploaded here. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After checking my credit report and I saw several things I did not initiate or authorize, I have been in contact with agents from all bureaus and they are giving me the run around about deleting information that doesn't belong to me. They are reporting inaccurate information which is a direct violation of the FCRA. Now as a result, I have inquiries on my credit file/report that do not belong to me.

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 2021-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One is reporting an account on my file that says " Authorized User ''. I do not recall ever being added onto anyones account. This account is not recognizable to me and you have nothing signed from me binding me to this account. I do not know whos account this is and I must be removed.

Company response to consumer: Closed with non-monetary relief