vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I would like to resolve 2 problems going on with Citibank : 1. Problem : In XX/XX/XXXX, I received a letter from Citibank that they were terminating banking relationships with me and since that date ALL my 4 bank accounts were locked/frozen removing any type of access. I called Citibank asking for a reason to this action and they explained that due to money received from the SBA into a personal account and not enough documentation, they were going to return the money to SBA in a period of 30-60 days. In XX/XX/XXXX, I got another letter from Citibank explaining that the money was going back to the SBA. 
Today is the date that Citibank has not returned the money to the SBA. I called the bank today XX/XX/XXXX and they said that the process was going to take between 30-60 days. The problem is that I always get the same response and more than 60 days have passed and Citibank doesn't return the money. I don't understand why it would take SO LONG for Citibank to return the money if they know that it's going back to the SBA. I need Citibank to return the money to the SBA so I can resolve this problem directly with the SBA. 
2. Problem : One of my bank accounts that got locked/frozen is a joint account that I have with my wife. In XX/XX/XXXX, my wife was expecting the IRS Stimulus check ( she thought it was going to be mailed ). Unfortunately, on XX/XX/XXXX the IRS deposited the stimulus check to the bank account they had on file and Citibank accepted the money and they didn't reject the transaction. My wife has called several times to the bank asking for the money and the only response she gets is " We don't know what's going to happen, please call back again ''. This money has been hijacked by Citibank for over a month and they have no intention to either return the money to the IRS nor to my wife.

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 2021-02-09 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: AL

Complaint narrative:
I disputed an account with Experian in XX/XX/XXXX and XX/XX/XXXX for a company called XXXX XXXX XXXX, with the original creditor being XXXX XXXX, due to inaccurate information being reported on my Experian credit report. My second dispute in XX/XX/XXXX included documentation proving that the information being reported on my credit report is inaccurate. I disputed the balance and the open date. The outcome of both disputes was that the information is being reported accurately. However, two representatives at Experian told me via phone on XX/XX/XXXX that they did receive my documentation, but the documentation did not get attached to the dispute. I requested to speak to a supervisor, who only offered to open another dispute. This is not the right resolution at this point as I already disputed the account twice and included documentation as proof. It is not my fault that Experian 's employee did not attach my documentation to the dispute. I requested that the supervisor delete the account for failure to investigate my dispute properly and inaccurate information being report. The supervisor in the dispute department, XXXX, refused to delete the account and she abruptly hung up on me while I was talking. I have attached a document showing the balance and open date that this company is reporting on my credit report, a document showing the correct balance and correct open date, and my second dispute letter to Experian. 

I am resubmitting this complaint because Experian responding that they need authorization. You don't need authorization from myself. I attached my driver license if that makes it easier for you. Stop stalling! I called in to give authorization to move the complaint along, but your employees are incompetent, and didn't know what to do ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from 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 stress you have caused me. My information was also impacted by the XXXX  and XXXX XXXX data breach and may have gotten 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 2021-02-09 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: GA

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from 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 stress you have caused me. My information was also impacted by the Equifax and XXXX XXXX data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See attached XXXX XXXX XXXX XXXX application. The application was incomplete on XXXX and credit report was pulled on XX/XX/2017. The application was incomplete and wasn't to be processed as stated at top of application. I talked with a lady  at XXXX XXXX 's President office today. She was adamant that application was complete even if undated. Unbelievable! I also filed a XXXX XXXX XXXX complaint. XXXX  XXXX is impossible to contact. XXXX  XXXX will, as usual, label this complaint as a duplicate. I am relying upon XXXX  and Transunion to answer this complaint..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/21 Pl. help me in urgent fashion with the issue with the credit reporting agency, Experian. 

I am in the process of refinancing my home loan and two lenders ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I s trying ta access my credit but they could not do so. 

After multiple attempt, I could not reach the Experian at by calling : XXXX, XXXX, XXXX, no one came to help and all options leads to a dead-end w/o any live person helping me. 

On XX/XX/21, I sent an express one-day USPS priory mail ( # XXXX  XXXX XXXX ) and the mail was delivered XXXX at XXXX  on XX/XX/21 as per USPS. The mail was sent with the Experian letter to unfreeze my credit signed by me on XX/XX/21 that came from my Experian logging telling me to send that letter with my ID & other proofs of my ID. I mailed the letter with my XXXX, my XXXX bill, XXXX acct statement copy and my SS ID copy as asked. 

Still, my credit freeze is not removed as requested as of if today, lenders are not able to get an access to my Experian credit report ( they did get the access to XXXX  & XXXX  but the lenders need all three credit reporting agencies report ). 

I am hindered and not able to go forward until the Experian removes my freeze as requested due to my past recurrent ID theft. 

Pl. help ASAP. Pl. send a letter to the Experian ASAP at their address on the letter attaching it & USPS proof of mail after your email me, the draft first for my review. The matter is urgent. 

Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX & Mailing Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell : XXXX XX/XX/21

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 2021-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I borrowed {$10000.00} from Sallie Mae and made {$100.00} payments for approximately 12 years, which i thought repaid the loan as my student loan book was depleted. After sending what i thought was my last payment I received a notice saying due to late payments I owed an additional {$1000.00} and if I didn't send the money I would never be able to get credit as the loan would be classified as in default. I requested on information on which payments were late and how the late fees were calculated - but Sallie Mae never responded so i made the additional 10 payments of approximately {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CA

Complaint narrative:
I have sent 2 letters within a span of 30 days in regards to incorrect information on my credit report and still have not received any update on the investigation.

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 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Avadyne Health Holdings, Inc
State: WY

Complaint narrative:
We recieved XXXX XXXX from XXXX XXXX XXXX XXXX for myself and my husband. 
In XX/XX/XXXX, I attempted to work directly with financial assistance for help in paying the bill. I directly asked for a paper application, was told I could do it online. However, at the time- I did not have access to the application process, when I attempted to apply the system at XXXX would drop the information. I attempted to call the helpline at XXXX. The operator assisted me in application process, but did not hear anymore about the application acceptance or denial of the application. I attempted a second call which was reassured of the process being completed. I attempted to make monthly payments of XXXX directly to the company. When the company forwarded our medical bill to H and R Accounts collection agency in XXXX XXXX IL attempting to work with this company on monthly payments of XXXX a monthly til XX/XX/XXXX when I asked for a total balance of my account to be paid off in full. H and R Accounts Representative " XXXX '' assured me that All accounts would be paid in full. I called three additional times to get our credit report updated from collections to non collection. However, this company refuses to remove the collection from our report. My husband and myself hired a lawyer XXXX to assist us with these medical bills our lawyer created a settlement for XXXX 's medical bills with XXXX XXXX XXXX and XXXX XXXX XXXX, however H and R accounts state we owe over XXXX dollars. I suspect when we paid XXXX on XX/XX/XXXX that our accounts were not noted correctly. I have attempted to contact this company three times to work this out. I explained that these bills are setttled with the settlement disclosed by our lawyer. Today, I attempted to talk to a manager at H and R accounts XXXX XXXX, he stated that these were still due. I attempted to explain the payment that was made in XXXX their company representative stated accounts were paid in full. But yet, now that is not the case ... I feel that H and R accounts have not credited our accounts correct attempting to cover their mistakes, and over fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, the reason of my complaint is because i have submitted multiple letters to the 3 credit bureaus regarding the inaccurate and incomplete of the accounts. i have sent proof as well but i have not received not even onces a responds from them and this is the reason why i am submitted this complaint. i fee that they have ignore and i now i been sending the right information, right address, everything but no responses.

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 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: GA

Complaint narrative:
Greetings, On XX/XX/2021 ... I applied for what was assumed to be a pre qualified business signature leverage card! It clearly stated that it was a soft pull to check for identification, terrorism funding, etc ... and then 1 day later, a hard pull from us Bancorp popped up on my personal credit report file? I called to try and resolve the issue and was on hold for 20-30 minutes at a time with 3 separate agent reps, so basically I was on hold for over an hour just to be told that I have to file a complaint with the office of president!!! Im so XXXX off about this ... you have no idea! This isnt fair at all ... I feel violated!!

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 2021-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Greetings! 

Step 1 : What is this complaint about?

Victoria 's Secret credit card. 

Step 2 : What type of problem are you having?

Charging me late fees and accumulates up to {$470.00} from initial store purchase of {$95.00} Step 3 : What happened? 
At the store a cashier offered a card with initial discount on first purchase ; Gave me receipt with note that I will receive the card 10 to 12 days. But never came and then the Comenity Bank starting to charge late fees. The card never came until XX/XX/2019, on my bill another purchase came out that I did not do. Hence my bill went up higher with increase late fees. I dispute the issue and they wanted me to send them my SNN and other proof of address by mail which I believe is a delaying strategy and I don't trust them because of what had happened. The account was closed and was transferred to a collection agency which calls me and bothering me ever since. I am willing to pay the principal amount owned but they want me to pay the late fees which I am not entitled to. 

Step 4 : What company is this complaint about? Victoria 's Secret  credit card and Comenity Bank.

Step 5 : Who are the people involved?

Only me and the credit card Company or the said Bank. I don't know who stole the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I made an arrangement and paid the debt in full to the original creditor XXXX  One week later in XX/XX/2020 this debt was reported by Receivables Performance Management to all three credit bureaus. I have not entered into an agreement or contract with Receivables Performance Management. I have called multiple times to request this derogatory account be removed from my credit report. The representatives at this agency refused this request in violation of the FCRA. I did not give written or oral permission to authorize Receivables Performance management to furnish any information on my credit report. I'm exercising my right under the FCRA to dispute this account in its entirety.

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 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
The company has called me several times and has also sent emails with explicit details about a debt being owed to XXXX. Before I called them back, I checked my personal credit report and see no accounts or accounts in past due status with XXXX. Due to this, I am highly suspect of the company that is contacting me. When I called them, I told them I was not aware of any purchases with XXXX  for {$490.00} and that it must be fraud. I asked them to initiate their fraud process and they refused since as part of " verification '' i would not provide them personal contact information. 

I then pointed out that when calling, they are required to make sure its me they are talking to in order to avoid violating privacy laws. Yet they sent an email to to an email address they are not sure is me, that has my name and calls out that I owe a {$490.00} debt. How is it that they have to confirm its me on the phone, but can send a debt notification email to anyone?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX  sold my debt without any knowledge. I never received any paper work or mailing from XXXX XXXX  before the debt was presented to the credit bureaus from sca collections. I then requested verification of debt from sca collections and they sent me confidential appointment information that was provided to them without my consent. SCA collections then started calling and harassing for payment of this unknown debt after I requested proof. Both of these companies have violated my HIPPA rights and I ask that all of my personal information be removed from these companies possession immediately.

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 2021-02-09 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:
Student loan accounts for a XXXXyears old? Didn't i told you i never been to college in USA?

Im really dismayed, shocked, emotionally and financially stressed because Ive disputed these accounts above and below with all the 3 major credit bureaus, cfpb and ftc compliance team, but it continues to report on my credit profile with incomplete, inaccurate, and unverifiable information and with multiple inaccuracies. There is no way that this account can truthfully be investigated due to those violations of reporting, plus Ive submitted FTC affidavit proving that I have never had any prior relationship with none of those companies. As you can see on the attachment, they have wrong Date-of-Birth, wrong Driver License ; wrong email, etc. Ive asked them directly to legally validate the debts, with all the required documents, and theyve failed to do so. ITS NOT IN COMPLIANT WITH THE CONSUMER LAWS AND ITS NOT MINE!

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