vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 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: CA

Complaint narrative:
I have repeatedly contacted Experian since XXXX. Only to be led along an endless call prompt and never being able to speak with a live person. 

My uncle added me to his XXXX account as an authorized user. Since XXXX the account was never posted to my credit file. Since XXXX we have repeatedly contacted Experian and XXXX. Only to be told the issue is with the other party. 

My uncle filed an escalation with XXXX and after an investigation they mailed us a letter stating the account has been reported to Experian and the issue is with them. 

I have yet to speak with an English speaking supervisor or anyone at Experian who can understand and correct this issue. 

The authorized user account is reporting to Experian under my name, birthdate, and the primary card holders ( my uncle ) information. 

This is causing a second credit report under my name and information to be created.

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 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I would like to file a complaint against Citibank XXXX XXXX XXXX California for misleading advertising by offering {$700.00} credit offer voucher whenever I open a business streamline business checking account at this branch, and making a deposit of {$25000.00} dollars or more and maintaining the balance in this business streamline account for more than 60 days. But I opened my business streamline account on XXXX2021 and deposit on the account more than $ XXXX and since then over 90 days and up-to-date, I still have not yet received the {$700.00} credit voucher as promised. I feel like that I have been cheat and misleading by the bank. I demand for your help and investigation on this matter. Please do advise, I did contact the bank officer several time, left voicemail and sent email but still no answer. I even visited the Citibank Branch yesterday but the branch is closed with the sign posted in front of the window. 
I have all the supporting documents in regard to the credit offer of {$700.00} dollars. 

Thank you very much

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 2021-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Disputed multiple closed accounts still reporting as revolving and CO each month as these accounts have been settled and closed. Inaccurately reporting settled date of accounts.

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 2021-10-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Disputed multiple closed accounts still reporting as revolving and CO each month as these accounts have been settled and closed. Inaccurately reporting settled date of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have sent out investigations request to XXXX, XXXX, AND XXXX and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
A copy of this same complaint was sent to Sunrise Collection and now to your agency, XXXX and the Consumer Financial Protection Bureau. Sunrise Collection insists on an XXXX XXXX XXXX XXXX account in my name with a XXXX, Indiana address although I have absolutely no knowledge of any such account as I have never been to Indiana much less lived there. Despite repeated efforts to explain this to Sunrise Collection they insist this account was opened XX/XX/XXXX reaching collections on XX/XX/XXXX. If fraud, they can not re-open the account and urged me to contact the three credit agencies to achieve a correction and then they hang up on me. Only XXXX has declined to clear my record and restore my credit rating as you wrongly refer back to Sunrise which provides the same false information. Beyond repeating I have never had an Indiana account or lived in that state I have no understanding of what other proof you seek. Clearly, Sunrise, as a collection agency, seeks only collect money irrespective of the truth.

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 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, the IRS alerted me that they have deposited to my Wells Fargo checking account my {$1200.00} stimulus Direct Payment from the CARES Act. 
To this day ( XX/XX/XXXX ), I have yet to see my bank credit that amount to my account. 
After several phone calls to both the IRS and Wells Fargo and no resolution, I contacted US Congressman XXXX XXXX who agreed to call the Treasury and get an update on my behalf. The Congressman sent me a letter that indeed the IRS did send the {$1200.00} to my Wells Fargo checking account, yet my bank statement does not reflect such transaction. 
I sent so many emails to Wells Fargo and made many phone calls to them, asking them to help me find out what happened to my missing money from the IRS, and all I got is the biggest run-around ever, promising a call-back with a resolution, and no such resolution was delivered to me so far ( more than 1 year after the {$1200.00} was supposed to have been deposited ). 
I have 2 case numbers from Wells Fargo ( case number : XXXX - and Wells Fargo case number : XXXX from Wells Fargo Case Specialist XXXX XXXX ), but every time I reached out to them for an update on my missing stimulus direct payment, they keep referring me to the IRS. It's like they really don't care and wish I will just forget about it. 
I have been heavily impacted by Covid, and I am undergoing a lot of health and financial hardships, but Wells Fargo has so far completely ignored my pleas and mental anguish. 
Wells Fargo have been involved in scamming their clients in the past, and I am sad to say that they are again using the pandemic crisis to scam vulnerable impacted customers of their stimulus payments. It's unfair and I am praying for oversight. They are not above the law!! If any regular citizen is caught stealing {$300.00}, they get charged with felony theft and face serious consequences. Wells Fargo should not be allowed to steal from long-term " valuable customers '' in our darkest hours! Thank you.

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 2021-10-06 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: Monarch Recovery Holdings, Inc.
State: MA

Complaint narrative:
What's the method used to verify this account? Please delete this account as it's in violation. Also, a collection account is by default of identity theft and therefore it can not be reported with collection/charge off. Please delete immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: MI

Complaint narrative:
The lease agreement terms was for the amount of {$1800.00} I paid {$680.00} at the signing of the lease and have paid a total of {$1200.00} in biweekly payments since XXXX totaling the entire amount paid to be {$1900.00}. More then amount leased I called to buy out of the lease agreement and they told me I'd have to pay another {$680.00} or continue to make payments until XX/XX/XXXX. None of this was explained to me at the time I purchased the stereo equipment. The store ( XXXX XXXX ) was contacted the same day that we purchased the equipment and they told us ( My sons father and myself ) that we needed to contact Tempoe in order to return the merchandise because it was leased through them. I then contacted Tempoe and they said that it had to be returned through XXXX XXXX. My sons father then took the receipt to the store where the manager kept the receipt saying that he'd get back to us on what needed to be done. None of this is equitable to me as a consumer and I was tricked into a lease agreement with none of the terms told to me everything was done on a computer so I was not able to read anything until it was printed off. I would like for this lease agreement to be handled as I've paid more than the amount that I've leased. This agreement is in violation of the Truth and Lending act I've paid more than 4 installment payments and have received no equity as a consumer. 
This is a Consumer Lease Agreement that has no signature from administering agent I was emailed the original lease agreement which does in fact have my signature but in order for it to be legal and binding it should have two one from myself and the administering agent. The company showed up on my credit report XXXX on XX/XX/XXXX this is my receipt of purchase, letting me know that this was in fact a consumer credit transaction. Pursuant to 15 USC 1605 a finance charge is the sum of all charges and is involved in every consumer credit transaction. No were in this agreement does it show me what the finance charge was which is deceptive because I was told my credit wasnt being used. This entire agreement is deceptive and misleading. I was not able to read anything at the time a signing my signature was provided in a small keypad with the computer screen turned facing the store clerk.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MECHANICS BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notification that an account was added to my consumer report. I noticed it was from Mechanics Auto Bank. An account that was removed from my report in XXXX. I reached out to XXXX XXXX and explained to him that this account had already been removed. He said there was nothing he could do they reached out and asked for info concerning identity theft and never received anything back. 
The identity theft form came attached with a cover letter clearly stating that it was not blocked in error, along with an identity theft affidavit. They have everything they needed to remove the account, but are now playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: CA

Complaint narrative:
i had a predatory vehicle loan from XXXX XXXX  and i voluntarily gave them the location of vehicle in exchange for voluntary repo on credit file.. XXXX XXXX  purposely puts comments on my credit report every couple months and it makes my score go down. this is a closed account and the car dealership that sold me the vehicle shut down in the middle of the night due to fraud allegations. they are saying that they sold my vehicle at auction for XXXX when it was a brand new car? i have disputed this account on my credit report since it appeared there and have asked numerous times to be shown proof of sale price at auction for my vehicle the company is rude and will not send me proof of sale amount because that is supposed to be taken off my loan amount. it should also be noted that the company had me sign the loan documents for my husband because he forgot to sign in a couple places. now XXXX XXXX is putting their own statements in my credit report asking anyone looking at my credit report to contact them about my derogatory account.. how is that even possible for them to do and they will not give me any information on the sale of vehicle. this account has been closed now it shows as a balance in my total credit on report.i have disputed numerous times and now they report on credit report every month.,. i am being harassed and my credit report being played with on purpose by XXXX XXXX and the credit bureaus. i bought the car for XXXX and they say i owe XXXX after the proceeds from the auction which is not true. i called XXXX and all they kept asking me was when i was gon na pay my debt still havent recieved anything about the auction .. this is very unprofessional for them, to do and we were tricked by the car dealership also .. the car was sold as a take over payments when i couldnt afford the payments but the guy i sold car to never made a payment and sent me fraudulent copies of money orders showing he paid it every month. thats when i found out and contacted them to tell them where to find vehicle to repo it. that wasnt my fault but they should of done what they promised that showed i helped them recover vehicle.. i am besides myself seeing that they have a comment on my report for anyone to contact about a closed account on my file.. i want to go to the highest level of appeal on this matter as i have stated since day one.

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 2021-10-06 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: MD

Complaint narrative:
I submitted a dispute will all three bureaus, highlighting many inaccuracies on my credit report. XXXX and XXXX have not verified ( or removed ) information pertaining to my claims. It has been over 60 days since my dispute was received and no one has corrected this error. My identity was compromised earlier this year, which is why the disputes were sent. I submitted an FTC report with police report via US mail to all 3 bureaus and they have failed to comply. This situation has been a hindrance to my credit growth. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: MD

Complaint narrative:
I submitted a dispute will all three bureaus, highlighting many inaccuracies on my credit report. XXXX and Experian have not verified ( or removed ) information pertaining to my claims. It has been over 60 days since my dispute was received and no one has corrected this error. My identity was compromised earlier this year, which is why the disputes were sent. I submitted an FTC report with police report via US mail to all 3 bureaus and they have failed to comply. This situation has been a hindrance to my credit growth. Please help 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 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
I obtained items using credit through acima lending in XXXX. 
The pandemic nearly cost us everything and we faulted on this debt. Acima leasing told me that the debt was closed on XX/XX/XXXX. On XX/XX/XXXX they charged my debit card XXXX. The card they charged ( which is a new card ) they never had any information about. I never gave them the new debit card information or the new bank it was from. This information was obtained by them through possible illegal methods. I have the bank record to show that the charge date of XX/XX/XXXX. 
My best guess they are doing illegal activities to obtain this information without a court order. The main issue is that I am 100 % positive my new debit card information was never given to them ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XX/XX/2021 I receive a letter from Wells Fargo stating that my application # XXXX was not approved. They stated as reason - Nature of credit risk posed by termination of other accounts. And they said they based their decision on a report by XXXX. I order the report from XXXX as soon as I got the answer from the bank and my credit score is XXXX and there is nothing against me now or in the past. Talking to the company, they stated I was banned forever from the bank and will not be able to open an account never more. I also verified if my name or any entity where I'm or was connected has any restrictions posted in XXXX  and some other similar services and I could not found anything. The bank may be base his decision in unreliable sources or simply decide to discriminate me. I'm uploading the letter from the bank and the credit report as reference.I 'm not criminal as the bank try to make me feel and I deserve to have equal and fair treatment from this bank.

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 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
About XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my bank account in the total amount of XXXX XXXX  utilizing Paypal services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
My car was totaled and XXXX XXXX sent the payoff to Bridgecrest on XX/XX/2021. I was advised by Bridgecrest to wait ten business days for the account to be closed, which is stopping me from getting another auto loan. It has been ten days and my account is still open. I am also being asked for another loan payment which doesnt make sense if they have been sent payment for the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
Tried to make online payments. 

I entered the correct banking information twice. 

There system keeps changing the last 4 digits of my bank account number so the payment never processes. 

This is a website, system error or representative at the local branch changing my account information. 

Which now they have removed the ability to for me to make online payments. 

I do not have the ability to go to there local branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom this may concern, I have tried multiple times to fix the inaccurate personal information that's on my credit report and this bureau refuses to remove the inaccurate. I have attached proof of address and name with my drivers license and home of record. This has not changed. I will attach dispute paper with accounts that are reporting inaccurately.

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 2021-10-06 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
What's the method used to verify this account? Please delete this account as it's in violation. Also, a collection account is by default of identity theft and therefore it can not be reported with collection/charge off. Please delete immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
What's the method used to verify this account? Please delete this account as it's in violation. Also, a collection account is by default of identity theft and therefore it can not be reported with collection/charge off. Please delete immediately from my credit report.

Company response to consumer: Closed with explanation