vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 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: CT

Complaint narrative:
i have not received letters replaying to my concern regarding to inaccurate information been report in my credit profile i requested on XX/XX/2020 with follow ups on XX/XX/2020, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
i have not received letters replaying to my concern regarding to inaccurate information been report in my credit profile i requested on XX/XX/2020 with follow ups on XX/XX/2020, and 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 2020-12-30 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: NY

Complaint narrative:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: IL

Complaint narrative:
My Identity was stolen By a unknown Identity theft all account open by this unknown theft was listed in this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a general complaint yesterday XXXX, mentioning issues I have with all three credit bureaus however, I have specific major issues with Experian Solutions. My issues with them are : incorrect information on my file and they have ignored my request saying they can't verify who I am. They have the name XXXX XXXX listed as an alias for me and I never heard or such a person nor have I ever used that name. They list names of company 's XXXX XXXX XXXX, XXXX XXXX which are in correct and not associated me. 
They select the information they want to update my file but never address or remove the erroneous or incorrect information on my credit file. 

The Fraud statement I did not ask them to leave on my file for 7 years and they refuse to remove it. I believe it is keeping me from being able to get any type of credit including credit cards. My score was at XXXX and I keep getting turned down for even a secured {$500.00} card. My SBA loan for the XXXX was turned down as well. XXXX offered me an unsecured card, I currently have a {$300.00} secured card. after I accepted and applied they turned me down due to the outdated fraud statement Experian will not remove. My identity was compromised sometime ago but I have worked very hard to get my good name back. 

Lastly, Experian has made Improper use of my report and documentation I submitted to them. I am very leery of sending my information such as signature and picture to Experian. They have in the past sent this very sensitive information to some of their fly by night collection company customers. Their Customers sell bad and outdated accounts back and forth to each other. Two of these companies superimposed my signature which was provided by Experian, on a very old fraudulent bill. Experian attempted to verify this as a legitimate account but ultimately had remove it. I believe this is why they have flagged and targeted me unfairly. The other two credit bureaus have been following Experian 's actions on negative reporting. I only use about 3 % of my available credit and my score changes drastically on a daily basis usually down by 20 to 72 points due to the incremental balance increase or decreases of those accounts. 
My score went from a XXXX on XX/XX/2020, down to XXXX as of XXXX XXXX, with XXXX and the 600s with Experian. 
These outrageous changes on my credit file have been devastating to me especially during these times. I can't even put into words how much this has negatively affected me and my business. 

I appreciate what ever help you can give.

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 2020-12-30 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: Accounts Receivable Inc.
State: FL

Complaint narrative:
Re : Collection Accounts : # XXXX # XXXX I am sending this letter to you in response to you reporting the above referenced accounts. Be advised, this is not a refusal to pay, but validation is requested. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
If your offices have reported inaccurate information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: AR

Complaint narrative:
I'm assuming that you either didnt receive my letter on XXXX or your just ignoring me I noted in my dispute misleading and unverified accounts that were just placed on my account without 100 % knowing if it was accurate. At this point it has been over 60 days since disputing with you and I have yet to receive a response which is a violation. I hope that we can get this issue resolved quickly and get the items i listed removed from my credit profile to show my true credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I'm assuming that you either didnt receive my letter on XX/XX/2020 or your just ignoring me I noted in my dispute misleading and unverified accounts that were just placed on my account without 100 % knowing if it was accurate. At this point it has been over 60 days since disputing with you and I have yet to receive a response which is a violation. I hope that we can get this issue resolved quickly and get the items i listed removed from my credit profile to show my true credit worthiness.

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 2020-12-30 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: WA

Complaint narrative:
On XX/XX/2020, I purchased 3 items from XXXX totaling {$2700.00}. On XX/XX/XXXX, 8 days after the initial purchase, I was notified that 2 of the 3 items were not in stock and that I could cancel my order. I then canceled the order with XXXX, but they stated that 1 of the items already shipped and that since I was outside the 24 hours cancellation period, I would have to pay a 30 % restocking fee. I notified XXXX that I did not agree with that since I was not notified until 8 days after that my full order could not be fulfilled. XXXX issued a credit for 2 of the 3 items on XX/XX/2020. This left a balance of {$1100.00} for the XXXX item that had been shipped. XXXX refused to issue the credit for {$1100.00}, so I disputed the charge with CitiBank Double Cash Card. 

In XX/XX/2020, I started the dispute process with Citi Bank. They requested information from myself which I returned to Citi on XX/XX/2020 and again on XX/XX/2020 after no hearing back. I then received a message from Citi that they sided with the merchant, even though I do not have the item in my possession. The item is still in the companies warehouse. I then reopened the case in XX/XX/2020. I received a letter from Citi in XX/XX/2020 stating that the dispute timeframe was over and that they could no longer help me. During this time, they are requiring me to pay interest and received no credit for the amount in dispute.

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 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a claim with Bank of America ( BoA ) after depositing {$900.00} into a BoA atm and the machine freezing, taking my money and debit card, and not posting the money to my account. I immediately called BoA and spoke to a representative to file a claim. I did not leave the atm until the BoA representative told me my claim was submitted and it was okay for me to leave the atm. {$900.00} were deposited into my account while BoA investigated the claim. About a month and a half later on XX/XX/XXXX I received a notification from BoA that my claim had been denied and the {$900.00} were removed from my account. I called BoA on XX/XX/XXXX to ask why my claim had been denied and to request the documents they used to make their claim decision. During this initial call the representative stated that notes indicated the claim was denied on the basis of video evidence " showing I left the ATM ''. This representative indicated he thought the claim had not been investigated thoroughly and that it would be reopened. After a week of not hearing back I called again on XX/XX/XXXX and was told by a BoA representative that my claim had not been reopened and that I needed to send a letter of disagreement to get my claim reopened. I faxed a letter of disagreement ( uploaded here into the supporting documents ) and still did not hear back. Furthermore, during this time I still had not received the supporting documents I had requested from BoA. I called again and was told that my claim had been reopened and that I would get the supporting documents eventually. I called one final time on XX/XX/XXXX to speak to a supervisor and now they said that the video evidence did not support my claim, but I was told that I could not get access and that I would have to file police report to get this information. BoA neglected to inform me of this the first 4 times I called. I specifically requested to explain how their decision could be made since video should show money going into the atm, but no money or debit card coming out. The supervisor stated they could not answer that question. Furthermore, now they stated that there was no physical money found in the atm machine. I had specifically asked that this be investigated the first time I called and it is impossible for the money and my card to not be in the machine. When I first filed my claim I even requested a new debit card, because I was unable to recover it. I am requesting the CFPB investigate my claim and obtain the video footage from BoA, which they are refusing to share with me or answer questions about their decision.

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 2020-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020, the amount of {$590.00} was deducted from my savings account. Someone used my bank account and routing number to pay a XXXX credit card bill. The persons name on the check is someone named XXXX XXXX XXXX. I dont know this person and I have no clue how they had access to my information. I constantly check my account, and the same day that this happened I called the bank. Ive been calling Santanders customer service number, as well as attending the branches to get resolution and they keep giving m the long run and until this day they still havent fixed my issue. Customer service does not want to help, neither the branches. I even had affidavit of forgery notarized and I went to the branch and submitted. I call Santander the following week to follow up and they tell me the case has been closed because I never submitted the affidavit of forgery. Ive been calling and visiting branches none stop to get this resolved and no one has helped. At this point i dont know what else to do.

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 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: American Coradius International LLC
State: UT

Complaint narrative:
Receiving calls from ACI LLC, XXXX. Recorded msg refers to debt collection. Neither I or my wife have any outstanding debts and have 820+ credit ratings. Today ( XX/XX/2020 ) received 2 recorded calls from ACI so I called them after the second call today and they asked for my name, which I refused to provide ( They could see the number I am calling from and it is the same number as they are calling me on. ) Respondent said he would have to refer me to a supervisor. I hung up after being on hold for 5 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: IL

Complaint narrative:
My Identity was stolen By a unknown Identity theft all account open by this unknown theft was listed in this complaint

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 2020-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jones, Robin & Robin, P.C.
State: GA

Complaint narrative:
My identity was stolen in the year of XXXX. In XXXX I received a letter from a debt collector agency threatening to garnish me. I reached out to this company, apparently this account was falsely established using my personal information that I didnt have any knowledge of until XX/XX/XXXX. The account in questioned is 15 years old. This fraudulent account has been in collections since XXXX. I am a victim of identity theft. Im not paying for someone elses debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: OK

Complaint narrative:
I've had an account with current for close to a year or more if not longer. account was opened late XXXX/early XXXX. Current first suspended the account in the first few months of XXXX. I don't know the details or the specifics about why they have suspended my account but still gets deposits in the account and it still says it's suspended and under review and it's been saying that for almost a year. They do not give any information as to when they will unsuspend the account they do not answer emails, phone calls or when I tried chatting with them on someone else 's current bank account app. Current suspended the account with money in the account and refuse to release the money to me the account owner or at let me have any access to to any part of the account until I contact you to a lawyer and was going to see them and told them I was going to sue them if they did not release the funds and us has been a account due to US state law saying they can not keep me from an account that I am the owner of. This is the second time they have had the account suspended with funds in it or being deposited it refused to answer any questions or concerns via email phone call or chat. They are being unreasonable and very unprofessional when it comes to this financial matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: NV

Complaint narrative:
I found out someone was using my personal info to open accounts in my name when I applied for a credit card for the first time in years as I have always used cash and rarely used my credit in over 8 years. I disputed all fraudulent items with the major credit bureaus and filed a police report and an identity theft report for everything that has happened. I did everything the credit bureaus asked me to do and still the items remain on my credit. I should not be held liable for accounts that I didn't authorize or open.

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 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Shellpoint Mortgage Servicing ( NewRez ) is my mortgage servicer and supposedly paid my property taxes on XX/XX/20 in the amount of {$4900.00}. The collections group for my area informed me on XX/XX/20 that I had yet to pay the taxes on my home. I contacted Shellpoint and for four weeks not a SINGLE PERSON in their company has been able to tell me even the most basic information about the payment : Was the check cashed? What was the check number? Were my taxes sent with other taxes? If so, what was the total amount of that check? Where is this money now? Why was it not debited back to my escrow? 

Due to the fact that my taxes are now 3 months late, I owe an additional 12 % of face value as a penalty. 

Currently not a single person at this company can located the {$4900.00} or tell me where this money was sent. Additionally, I am continually told that I am not allowed to speak with anyone from the tax department that is able to help resolve this issue, as it is 'against company policy. ' For almost 4 weeks I have worked tirelessly to contact them and get information and resolution to this problem to no avail. 

My taxes are now being sent to collections and my servicer continues to not take any action toward resolving this issue. 

I believe it is likely that this is a criminal organization that is mis-appropriating escrow funds and lying to homeowners about where their taxes are being sent. 

To any futures homeowners : prior to signing your mortgage, ensure a clause is included that prevents the mortgage or mortgage servicing rights FROM EVER BEING SOLD TO SHELLPOINT MORTGAGE SERVICING or any of it's successors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
SYCB/ JC Penny is reporting an erroneous late on my credit file for the month of XX/XX/2020. The balance on this account was paid a month or two prior, so there's no way I could have a late for XX/XX/2020. I am requesting proof and more information about this. I was not late and it needs to be removed off 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 explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My identity was stolen in the year of XXXX. In XXXX I received a letter from a debt collector agency threatening to garnish me. I reached out to this company, apparently this account was falsely established using my personal information that I didnt have any knowledge of until XX/XX/XXXX. The account in questioned is 15 years old. This fraudulent account has been in collections since XXXX. I am a victim of identity theft. Im not paying for someone elses debt.

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