vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
First, please reference case # XXXX. It was mostly resolved, but this directly relates to it. Immediately after the bank returned my money in XX/XX/2021, I called and asked them to confirm I would be given the airline miles I was promised when I deposited the money. I explained I was concerned that their records would wrongfully show I didn't meet the requirements. The Citibank rep. confirmed this would be no problem, but I needed to wait for it to process. 
I called back in XXXX as I did not receive it and they said an investigation would be opened and I would hear back within 5 days. 
In early XXXX I hadn't heard, back so I called again and was promised this was a " rare miss '' and an investigation would be opened. I received a form letter on XX/XX/XXXX stating I didn't meet the requirements, which was the whole point that I had called twice, knowing that their records would be wrong. 
I immediately called again and demanded to talk with a supervisor. They wouldn't let me talk to anyone else, but said they would open another investigation and that it would be different this time because their supervisor would be informed of the situation. I told them if it was not resolved this time I would be forced to contact the authorities again. They assured me it would be fixed within 2 business days. I received another letter over two weeks letter that was exactly the same as the prior letter. 
No one is listening to me. I have wasted many hours telling my story, but Citibank has only continued to commit fraud against me. 
I would be happy to provide copies of all of the letters. PLEASE HELP! THIS BIG COMPANY IS CHEATING PEOPLE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 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: TX

Complaint narrative:
I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft 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 2021-07-26 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: TX

Complaint narrative:
I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft 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 2021-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
WESTLAKE FINANCIAL SVC opened XX/XX/2021 ... has reported to my XXXX  that i missed payment but the car dealership took the car back the first month..and payed it off i never had the car more than 30 days.i dont why it reported that i missed a payment that is inaccurate.but not on XXXX 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 2021-07-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TX

Complaint narrative:
I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: NY

Complaint narrative:
I previously notified Transunion thru the CFPB that I am a victim of identity theft, Transunion responded that Fraudulent accounts were verified as accurate. I would like to know if a account is FRAUDULENT how is able to be verified. I stated that I am a victim of identity theft and I had nothing to do with the following listed on the FTC 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 2021-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
Nissan discriminated and refused to provide me the proper resources that would ensure my payment history was kept up to date during COVID while I was awaiting pending unemployment DOL Hearings. Nissan further denied me monthly relief assistance because of COVID. Nissan did not and would not offer temporary lower payment assistance during COVID. When requested assistance was offered Nissan only discriminated and put a payment at the end of the loan. While Nissan did in fact discriminate because other car loan companies as well as Nissan were reporting that lower payment options and monthly COVID waived payments were being offered. Yet I was denied these offered : Consequentially, Nissan contemptuously and maliciously knew the Nissan Finance Website was under repair and inoperable several times during COVID and especially in XX/XX/2021, such that I was denied the ability to make an online payment within the 30 day late payment window. Where as Nissan Finance retaliated and viciously reported my car payment late to XXXX  Finance when they failed to provide online reporting options. Most during was the XXXX  Representative who would answer my complaint call to Nissan when I requested the Corporate Office Numbers or Administrative Management to return my calls NO correspondences were received :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: NY

Complaint narrative:
I previously notified Experian thru the CFPB that I am a victim of identity theft. There response is that I am a third party. Dear Experian, I am not a third party. I XXXX XXXX am submitting this complaint myself to Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have repeatedly in the past attempted to resolve this matter this account swiftly and amicably. I have sent National Credit Systems , INC several official correspondence, all of which they have ignored or vaguely responded to. The attached document shows my cease and desist letter I sent to NCS, under the FDCPA 15 USC 1692c ( c ) once they received these letters they are required to immediately cease all communications concerning this account via any medium. The suspension of all communication includes me the consumer and all consumer reporting agencies such as XXXX and XXXX As shown in the attachment below labelled " E '' and " EE '' NCS has continued to violate federal laws by continuing to communicate about this account through various mediums with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Reported missed payment but is always current

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 13 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
hi this is my situation on XX/XX/2021 I got a rental car from XXXX XXXX and use my secured credit card from wells fargo to pay for the secured deposit my credit card its secured with a {$300.00} dollar deposit I made when I apply for the credit card on XX/XX/2021 I got XXXX  for unpaid tiket and the car was pick up from the police in pound lot when I got out on XX/XX/2021 a transaction of XXXX from XXXX XXXX was paid from my credit card I didn't authorize the transaction becuse I was XXXX, the amount its way over the limit of the card and when I call to dispute the transaction Mr XXXX XXXX XXXX start questioning me if I did rent the car? if the amount was incorrect? how much I think was the correct amount etc I manage to fill the dispute and the bank only reembrush XXXX on XX/XX/2021 another charge of XXXX was paid to XXXX XXXX and one more on XX/XX/2021 for XXXX putting my card over the limit for XXXX I dont use the card anymore Im afraid of more charges coming up now I been charged interest on purchases getting a message { over the limit amount its due inmediatly } have not recibe a resolucion only e-mails saying ( we're making a progress on my dispute ) time goes by and my credit my has been hurt my XXXX  is killing me Im XXXX  all day every day thanks for the help 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 non-monetary relief
Consumer complaint received 2021-07-26 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: OK

Complaint narrative:
I have sent letters three different times asking them how they have verified the debt is mine and told them the debt is invalid but they will not provide proof or remove it from my credit report. They were submitted to Calvary Port collection agency regarding 2 XXXX  accounts. One is for {$1500.00} and the other is for {$8100.00} 1st dispute letter sent XX/XX/XXXX they claim they verified debt but sent no proof on XX/XX/XXXX 2nd dispute letter sent XX/XX/XXXX once again claimed it is verified but no proof XX/XX/XXXX 3rd dispute letter sent XX/XX/XXXX and no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: United PanAm Financial Corp.
State: TN

Complaint narrative:
On XX/XX/2021 Auto Credit submitted me a contract of a vehicle loan under complaint XXXX this proves absolutely nothing and does not provide me with the documentation of FACTA 312 or UCC DEFICENCY INFORMATION AT ALL. I have attached exactly what documentation that needs to be provided or this will have to be taken further. Under UCC DEFICENCY this information was/is suppose to be provided to me as the consumer. Please see attached request. If this information can not be be provided then this needs to be REMOVED from my credit report because at that point Auto Credit is in direct violation of the laws.

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
HI, Experian is reporting a delinquent account that has included in a bankruptcy in 2016. I provided proof that the account was included in the unsecured part of the chapter XXXX filing with a chapter XXXX case number and location of filing. I disputed the claim again in hopes they will correct this error. I also called the collection agency and they said they never received discharge paperwork, how convenient. I showed them the required format the courts demand for proper mailing. I also provided proof that the format was followed perfectly. I am fed up with this delinquent account hurting my credit rating and causing issues with credit line increases. I hope this does not fall on deaf ears and something can be done. I filed, they got notice and just pretending they didn't so they can continue to hurt my credit. 

Thank you, 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 non-monetary relief
Consumer complaint received 2021-07-26 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: MI

Complaint narrative:
To XXXX, Transunion, XXXX  I feel that these accounts are adversely affecting my consumers report and costing me a boat load of extra money in interest year after year. This is not a regular dispute as i have already filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX ( XXXX  ) because to my knowledge I do not recall these ALLEGED accounts. I need this problem to be fixed PROMPTLY. I will not wait another fifty or sixty days to receive a no response because clearly this has been an intentional and deliberate attempt to ignore me as the consumer. I demand these accounts be removed and deleted IMMEDIATLY or i will be forced to file for litigation due to this long and drawn out stress that you have caused not only me but has hindered my ability to provide for my family. Section 611 ( a ). It is plainly and clearly stated that a failure to investigate this erroneous items within thirty days gives a legitimate reason to immediately remove those items from my consumers report it has been over 50 days so they should be removed and deleted promptly. I AM THE ONE AND ONLY PERSON WHO WROTE THIS DISPUTE. PLEASE DO NOT RESPOND BACK SAYING ANYTHING OTHERWISE.. THANKS FOR YOUR TIME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: MI

Complaint narrative:
To XXXX XXXX, Equifax I feel that these accounts are adversely affecting my consumers report and costing me a boat load of extra money in interest year after year. This is not a regular dispute as i have already filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX ( XXXX  ) because to my knowledge I do not recall these ALLEGED accounts. I need this problem to be fixed PROMPTLY. I will not wait another fifty or sixty days to receive a no response because clearly this has been an intentional and deliberate attempt to ignore me as the consumer. I demand these accounts be removed and deleted IMMEDIATLY or i will be forced to file for litigation due to this long and drawn out stress that you have caused not only me but has hindered my ability to provide for my family. Section 611 ( a ). It is plainly and clearly stated that a failure to investigate this erroneous items within thirty days gives a legitimate reason to immediately remove those items from my consumers report it has been over 50 days so they should be removed and deleted promptly. I AM THE ONE AND ONLY PERSON WHO WROTE THIS DISPUTE. PLEASE DO NOT RESPOND BACK SAYING ANYTHING OTHERWISE.. THANKS FOR YOUR TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX an x boyfriend has stolen my identity and has used my identity for illegal gain. I have lost my home ... lost my job and suffered several Financial losses.

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