vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 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: TX

Complaint narrative:
Using certified mail, I wrote in a request to investigation into items that are being reporting on my credit file I believed were obsolete. The company has failed and yet to forward me sufficient documents pertaining to my those item. 

The action that has been taken has been done. Other than keep sending me computer generated responses/results of " still pending '' This has been an ongoing battle with these companies for well of 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Using certified mail, I wrote in a request to investigation into items that are being reporting on my credit file I believed were obsolete. The company has failed and yet to forward me sufficient documents pertaining to my those item. 

The action that has been taken has been done. Other than keep sending me computer generated responses/results of " still pending '' This has been an ongoing battle with these companies for well of 3 months.

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 2020-09-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I certified letters to these companies to open an investigation on accounts that are negatively affecting my reputation and credit profile to get clarity to why they were being listed. And I have yet to receive any proof of documents requested in my requests. During the months of XX/XX/20, XX/XX/20, XX/XX/20, I have reached out to these companies to rectify the matter and still to no prevail has the corporation complied or following the guidelines of the laws.

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 2020-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I need my pin to be reset for me or removed off from my account. 
. 
Of removed from my account, so I don't have to give it to the agent when I talk over the phone.

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 2020-09-18 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: CA

Complaint narrative:
On XX/XX/2020, I used a Citi credit card to pay {$330.00} for the HOA title inquiry fee. After some time, I eventually begin to forget about this payment. And afterwards initiated a dispute over the transaction. Then my proxy alerted me that this transaction has been canceled, it was then I realized that the transaction is normal. My proxy told me that the transaction failed, and I need to pay again. When I checked the banks serial, I saw that the transaction was indeed cancel. So, I re-paid the transaction with my XXXXXXXX XXXX  credit card, as well as provided evidence to support my dispute. What I didnt expect was that two weeks later, Citi bank replied to me saying that I still need to pay this incurring amount. 
It was strange, first, my HOA did not receive this fee, otherwise they will not notify me that the transaction was not successful. Second, I provided evidence that proofs my dispute. Why does Citi bank still asking me to pay the fee after that?

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 2020-09-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

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 2020-09-18 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: Velocity Portfolio Group
State: MO

Complaint narrative:
This complaint is regarding an unsecured loan with XXXX XXXX. Original amount was for a total of {$1500.00}. This amount was paid in full. However, somehow it was sold to a collection agency for a supposed amount that was not paid. I spoke with a Rep within XXXX XXXX that could not find the account, stating it had been sold to another group. She explained when these account are sold off, they no longer retain any records of these account. There was nothing she could find for me. She then further explained that at times, a missed payment fee or late fee, if left unpaid can incur other charges such as legal fees, and other non-payment penalty fees. This could possible explain why this account is showing on my credit report as over 6 months unpaid -account owing over {$8000.00}. Upgrades number is XXXX. 

I was then advised to contact Velocity about this matter, the company that had purchased this collection account. I contacted Velocity, spoke with a gal named XXXX. They simply asserted I owed that much and wanted payment. I wanted whatever proof or documentation they could show to establish the legitimacy of this claim. I strongly deny and dispute having this debt. {$1500.00} was the loan, and it was paid. They explained they did not have any records, but they have the account and want payment. 

I have submitted a formal dispute with Velocity, sent this via fax to XXXX on XX/XX/XXXX @ XXXX and XX/XX/XXXX @ XXXX. No response back from Velocity. Just collection calls. 

On XXXX XXXX I had received a letter from XXXX XXXX regarding {$7800.00} a debt they were collecting on behalf of XXXX XXXX. Somehow, they now have the account. I submitted a written dispute via certified mail, XX/XX/XXXX to XXXX XXXX. It was received per the signature card on XX/XX/XXXX. 
No response from XXXX. I have asked for proof or documentation to establish legitimacy of the amount they say I owe. I have yet to receive anything. 

I then filed a dispute with XXXX. 
Explained this matter, asked for the companies involved to furnish proof, explained they claimed they had no files or documents. It was just a purchased account for collection. I asked to have my record show that the correct amount was for {$1500.00} and was paid. Wanted the late payment dates corrected to reflect this. The results I received were that these companies state the account is valid an no changes would be made to my credit report. 

Without some sort of proof, documents, or any other substantiating paperwork, how can they say someone just owes that? What stops them from later saying I owe XXXX? This is not good at all. 
This has really damaged my credit report. I want to ask that this be corrected on my report. I did have a loan originally with XXXX XXXX, for {$1500.00}, it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I certified letters to these companies to open an investigation on accounts that are negatively affecting my reputation and credit profile to get clarity to why they were being listed. And I have yet to receive any proof of documents requested in my requests. During the months of XX/XX/20, XX/XX/20, XX/XX/20, I have reached out to these companies to rectify the matter and still to no prevail has the corporation complied or following the guidelines of the laws.

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 2020-09-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I certified letters to these companies to open an investigation on accounts that are negatively affecting my reputation and credit profile to get clarity to why they were being listed. And I have yet to receive any proof of documents requested in my requests. During the months of XX/XX/20, XX/XX/20, XX/XX/20, I have reached out to these companies to rectify the matter and still to no prevail has the corporation complied or following the guidelines of the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: DE

Complaint narrative:
I went and checked my credit and someone has been using my credit with credit cards and loans

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 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/2020, we paid cash for a home to be our primary residence. The cash came out of an investment account. I applied the same day to Quicken Loans/Rocket Mortgage to obtain a regular, 1st mortgage, so that we could replenish our investment account. I clearly stated my intention to do some work to the house, which included needing to fumigate the home for termites, plus other remodeling and improvements. The loan consultant insisted that we could apply for a primary residence loan, as our existing home was up for sale, and will actually sell and close escrow in a few weeks. 

The appraiser came out to the house and I met them there. I explained that we were doing remodeling before moving in. Today, Quicken Loans/Rocket Mortgage stated that we were not eligible for a regular first mortgage, despite my providing the loan consultant all pertinent information at the time and subsequently. I believe the deposit we paid was fraudulently obtained, as they did not give me the information that a regular first mortgage would not be available to me. I was informed of that today, XX/XX/XXXX. I had provided them with all requested insurance, financial, ownership and title information prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Bread Financial Holdings, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I have 3 credit card accounts with Comenity Bank XXXX XXXX XXXX, XXXX, XXXX XXXX. Due to the Covid-19 Pandemic I was furloughed from my job and my income dropped 75 %. Because of this I was late 30 days on each of the accounts above for XXXX and XX/XX/2020. I contacted Comenity Bank and made payment arrangements and have been in good standing at that time. At the time of the payment arrangements I was told that the lates from XXXX and XXXX would not be reported on my credit reports. I recently tried to refinance my home and those three accounts do report as 30 days late for XXXX and XXXX which is I was told my Comenity Bank that those would not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I went and checked my credit and someone has been using my credit with credit cards and loans

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 2020-09-18 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: DE

Complaint narrative:
I went and checked my credit and someone has been using my credit with credit cards and loans

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: WA

Complaint narrative:
Summary of Issue : Citi Credit Cards is taking double payments by not showing current payments scheduled for the credit card. This happened once earlier this year. The resolution was to call my bank and dispute a payment. Now it has happened again and I can not even get in contact with someone at Citi. I believe that their XXXX app is purposely designed to be deceiving after this has happened to me multiple times. I would like other consumers to know of this tactic by this company as they do not want to resolve this issue. 

This happened on XX/XX/2020 {$3500.00} Payment 1 {$3400.00} Payment 2 - had to cancel via my bank XX/XX/2020 {$2400.00} Payment 1 {$2300.00} Payment 2

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 2020-09-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Made a purchase on XX/XX/2020 for {$28.00} on a XXXX website for electric bike on sale. Too good to be true. Order confirmed, shipped and delivered all on the same day. Tracking no. provided by the XXXX company was manual.Never got the delivery for electric bike. 
The credit card company asked me for physical proof. I send me them the photocopy of email transaction.I m told by the credit card company to send the details about returning the merchandise, what am I suppose to return. 
I have been denied the refund. Please do the needful. Thankyou

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 2020-09-18 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX of XXXX and XXXX of XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax and XXXX  a for y experience the worst companies on earth. I was the founder and CEO of two companies myself and they will have been bankrupt if they were not in a XXXX  business blackmailing customers with wrong information. 
You wait HOURS on the phone to get someone and they provide no JUSTIFICATION..nothing ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX of XXXX and XXXX of XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2020-09-18 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX of XXXX and XXXX of XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX of XXXX and XXXX of XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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