vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 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: GA

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 XXXX  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 2020-09-16 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: NC

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 XXXX  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 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I open a citi account package online in XX/XX/2020, it has both checking and saving accounts. In XX/XX/2020, a free checkbook was mailed to my home address as a new customer welcome bonus. And then I wrote 5 checks to 3 different payees in XXXX and XX/XX/2020, the interesting thing is all those 5 checks returned as the checkbook is not active. After reaching out to citi customer service, they helped me to activate the checkbook so it looks good to me now. But the problem is the payees contacted me to pay extra money to cover the fee charged by their bank for the returned check. I didn't see any note or paper in the mailed checkbook to warn me that the checkbook is not active and it needs a phone call or online action to activate it. There is no such message in my mobile banking or online banking either. Based on my previous experience with other banks, the checkbook doesn't require an activation. So I guess it seems like not my fault and I'm asking citi to pay for the returned check fee.

Here are the details of all the 5 returned checks. 
Check # XXXX was returned on XX/XX/2020, {$13.00} payment and {$38.00} check return fee. 
Due to the business policy, the payee is unable to share the receipt for the check return fee. I sent them check # XXXX {$51.00} to cover their cost. You can see it in my checking account on XX/XX/XXXX. See attached image for check # XXXX. 

Check # XXXX was returned on XX/XX/2020, {$110.00} payment and {$12.00} check return fee. 
Check # XXXX was returned on XX/XX/2020, {$50.00} payment and {$12.00} check return fee. 
Check # XXXX was returned on XX/XX/2020, {$100.00} payment and {$12.00} check return fee. 
These 3 checks were paid to the same payee. They're unable to provide the receipt for the check return fee and I paid them {$36.00} cash to cover their cost as they were told by their bank that a {$12.00} check return fee was charged per check over the phone. See attached image for check return notice from payee 's bank. 

check # XXXX was returned on XX/XX/2020, {$170.00} payment and {$10.00} check return fee. 
See attached image for {$10.00} check return fee receipt.

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 2020-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TN

Complaint narrative:
Paramount Recovery has placed a collection on my credit profile claiming that I owe {$500.00} to XXXX  XXXX XXXX. I have never been to that medical facility. I have contacted this company 3 times and they have yet to respond. Please remove this erroneous collection immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I purchased 2 money orders in the amount of {$500.00} each. I sent in all the information requested to reissue a refund check to me. The problem is this company is telling me that they don't have my information after 30 days. I sent the information in via Priority Mail by the USPS. I have the tracking number which is XXXX. It was delivered on XX/XX/2020 @ XXXX XXXX. Can someone of higher authority please help me track where my money is I truly need my refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
Enhance Recovery Company has placed a collection on my credit profile claiming that I owe {$130.00} to XXXX. I have never had services with XXXX. Please remove this erroneous collection immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
the company I am having an issue with is US bank relicard. 
On XX/XX/XXXX XXXX my card was frozen due to them suspecting fraudulent activity. I called them on XXXX XXXX, and XXXX and held on line for 2 hours each time just to be told to fax Identification in which i did and I uploaded the file to my account on the website. I explained to them I was sick and I authorized the transfers to my daughters account because she had to pay my bills for me and also come get me after I was released from the hospital on the 5th due to a battle with XXXX. I have been out the hospital a week and a half with no medicine because I cant afford the co pays because I have no access to my money. I submitted everything I needed and still can't get an answer except its gon na take 10-15 days to unfreeze my account. I am XXXX years old with XXXX that needs to be treated and they seem like they don't care. My regular bank would not have put me thru all this. I appreciate any help you can offer I just want access to my money so I can get my prescriptions and get well again.

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 2020-09-16 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
Phoenix Financial Services has placed a collection on my credit profile claiming that I owe {$97.00} to XXXX XXXX  XXXX. I have never been to that medical facility. Please remove this erroneous collection immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: WI

Complaint narrative:
After reviewing my credit report I noticed XXXX XXXX was showing a charge off for a credit card. I also noticer the same account was showing under XXXX XXXX XXXX. 

On XXXX I called XXXX XXXX and made them aware of this being fraud. They advised me they no longer own the account. It was sold to XXXX XXXX on XXXX. XXXX was collecting on behalf of XXXX. 

I called XXXX and forwarded them the p [ police report and affidavit they requested. On XXXX they reviewed and after investigation closed the account and deleted the trade line from my bureaus. 

On XXXX I called again to XXXX XXXX. They advised me they could not delete trade line and I needed to call XXXX who was the owner of the account. 

On XXXX I called again to XXXX XXXX and they advised me they would send an email to an internal dept, but didn't think they could have it removed. 

I would like the trade line removed from XXXX XXXX as the account was fraud do to ID theft and furthermore they no longer own the 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 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC.
State: MD

Complaint narrative:
I received 2 phone calls from a company called XXXX from a phone number XXXX and told me to call back an XXXX. One at XXXX on XX/XX/2020 by a person named XXXX left me a voicemail saying she has documents that has been issued to the office that if I don't respond by the end of the day they will be come to my job and/or home to issue the document. 

At XXXX same day XX/XX/2020 a guy calls me at work and initially started talking to me like he knew me asking if I was at work or home today. I told him I am at home but my. phone calls are forwarded to me. He then proceeded to tell me I owed on an account from Kay Jewelers in the amount of over {$1200.00}. I told him I would need to see this information because I don't believe I owe them that money. He told me they already made the necessary attempts to collect on the debt by mail and I should already have that information and I would need to pay the amount. He then proceeded to tell me the original amount was around {$600.00} and with fees and so forth I now had to pay {$1200.00}. I told him I do not agree with that and he said it did not matter if I agreed or not. He wanted me to agree with it without looking at the documentation. He told him if I look at my credit report or contact Kay Jewelers they will tell me the same thing. I let him know that I will not agree to anything unless I see the documentation. He then started telling me what my social security number was and asked if I needed the account number. I told him to do what he needs to do and hung up with him.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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:
THERE ARE THINGS ON MY CREDIT REPORT THAT I NEVR HAD. I HAVE NO IDEA WHERE THIS STUFF COMES FROM. I JUST KNOW THEY ARE IMPACTING MY SCORE AND THATS NOT FAIR. I HAVE INQUIRIES THAT I HAVE NEVER INQUIRED ABOUT. PLEASE REMOVE THIS STUFF FROM MY CREDIT AND SEND ME A COPY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: NJ

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 XXXX  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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BAM Financial, LLC
State: GA

Complaint narrative:
I was promised by Bam financial XXXX XXXX XXXX XXXX that my credit would be restored and a letter to stop and cease would be sent to a company called XXXX XXXX XXXX, but was never done. My credit report was never pulled and nothing was ever done to restore my credit. I was scammed out of {$700.00}. This person also has a copy of my driver 's license and social. He always has excuses each and every time I try to contact him.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
In XX/XX/2020 I contacted IQ Data in regards to an collection on my credit report. I contacted the collection agency and informed them that I had no recollection of signing a lease. I moved into the property as a roomate and not a leasor and I know to my knowledge I would have never signed such an obligation. I requested the company to send a copy of the lease in question and I did not see any signature on the actual document but instead an attatched list of electronic signatures i did not recognize as my signature nor do not recognize the IP address. I immediately filed a police report to document the incident. I also have proof I was not living in the property at the time the lease was signed and ended. I only lived there periodically and temporarily. I would like this item to be removed from my credit report on the count of Identity fraud and failure to produce adequate evidence. the signature does not match the signature on my drivers license therefore It is a fraudulent and voidable contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUCCESS MORTGAGE PARTNERS, INC
State: TN

Complaint narrative:
Success Mortgage Partners has been deceptive and dishonest throughout the entire lending process. We started working with them in XXXX of XXXX and was supposed to close on the home XX/XX/XXXX. The Loan Officer ( XXXX XXXX XXXX out of Michigan ) asked if we could extend the closing until XX/XX/XXXX to allow more time to gather what was needed. They have repeatedly lied about the file being in underwriting, being approved and being sent to XXXX. I've had to repeatedly send them the same documents over ahd over because they keep losing what was sent. We learned on XX/XX/XXXX by the Account Executive that the loan officer working on the file is not experienced with XXXX which has only further delayed the process. They fail to answer calls or emails. I am at risk of losing {$500.00} earnest money if the file does not close by XX/XX/XXXX which was the agreement to extend the loan based on what we were promised by Success Mortgage. I will also lose the {$500.00} I paid for the appraisal to this lender as well as {$220.00} spent for the home inspection and {$35.00} spent on a termite inspection. I do not have credit issues and can not understand what is going on with this company and their inability to close a loan in 30 days. It is very disheartening to experience dishonesty when working with lenders/mortgage companies. This company should be investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16 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: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: NY

Complaint narrative:
This letter is regarding account XXXX, which you claim XXXX. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation