vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 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: GA

Complaint narrative:
Im process of buying a house and got a notification that a new collection account from XXXX XXXX XXXX # XXXX has been placed on my account. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX and never had XXXX XXXX XXXX. It appears someone in the building compromised my identity. Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A transportation broker charged my credit card {$1200.00} when I tried to terminate their services because they were unable to locate a driver. Our contract indicated they were authorized to charge {$100.00} in the event they procured a driver to transport my automobile. On the same date that they charged my credit card, I contacted Citibank and indicated that they were not authorized to charge my card that amount. At that same time, I was never told that I needed to go through " Billing dispute '' versus the fraud department. 
Citibank stopped the payment and requested additional information from the vendor. Both the vendor and I submitted the contract which specifically stated that a {$100.00} charge would be payable by credit card and the balance would be due in CASH and paid directly to the driver. Even having the contract from both parties, Citibank still reversed the payment and has paid the company {$1200.00}. The company never procured a driver so they were not due anything, however, if I were to be liable for anything based on the contract the most that should have been processed on my credit card was the {$100.00} as stated in the contract. Citibank is now saying that they investigated fraud and if I had a dispute with the amount the information should have gone to their billing dispute department. I don't understand why they did not send it to billing dispute upon receipt of all documents. Now, I can not get anyone in billing disputes to handle because the " fraud '' department has the file locked. I don't know what any of this means, but Citibank has become as negligent as the vendor. I have called Citibank 11 times and submitted all documents and they still have not created a billing dispute nor helped me in any way. In the interim, this charge is now on my credit card and payment is expected or it will mess up my credit. Finally if anyone at Citibank took the time to read all of the documents, it would have been clear without doubt that this vendor was not due more than a {$100.00} feed and they allowed this vendor to steal {$1100.00} so they should be liable.

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 2020-09-23 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: MO

Complaint narrative:
I reached out to Transunion on 4 occasions, I mailed them disputes on XX/XX/XXXX and XX/XX/XXXX, the dispute from XX/XX/XXXX did not have tracking which led me to send the dispute from XX/XX/XXXX via Certified Mail which shows it was received on XX/XX/XXXX. I called to speak with them again and 2 supervisors informed me that nothing had been received since XX/XX/XXXX. I provided them with tracking and she sees it was received but they have no information that it was received. I confirmed the address and they verified it is in fact correct. I asked for an alternate way to ensure it is received in the future and they had no other way besides mail.

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 2020-09-23 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: NJ

Complaint narrative:
All three of my loans were reported as 30 days past due even though two of them are in school deferment and one of them I made two payments on prior to the due date. One payment was made over the phone with a customer service agent and the other was made online according the latest invoice. Ive had issues before and the company was willing to assist by agreeing to remove the late payment from my report. However they were never removed.

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 2020-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIRST REPUBLIC BANK
State: MA

Complaint narrative:
1. Applied for loan program for a personal loan on XX/XX/XXXX 2. Paperwork was submitted as requested by XX/XX/XXXX 3. Loan application was kept on hold for over a month 4. Loan application was denied indicating high debt to income using arbitrary non standard methods of calculating monthly payments.

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 2020-09-23 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: IL

Complaint narrative:
This is a continuous problem from cfpb # XXXX dating back to XXXX. XXXX, XXXX. 
In XX/XX/XXXX I received an e-mail from XXXX XXXX that there was a change to my score. It stated that a CO ( charge off ) was placed on my score. Then on XXXX XXXX, XXXX my score changed again and placed the CO ( charge off ) back on with a negative -87 points. I need to know what is going on. My current lawyer XXXX XXXX, says he has not received anything from the collection agency nor XXXX  XXXX XXXX, nor have I received any information. XXXX  XXXX XXXX chose to put my account in " collection '' rather than taking me to court to prove my case. Do to me having a major XXXX I chose to offer XXXX the deed to my property to rectify this debt. I had to secure a senior living complex to live in at that time-last year. In trying to obtain this living arrangement XXXX took {$10000.00} from my account unknowing to me until later. To me this act was not " Just '' or " Fair '' do to the fact the debt was placed in " collection '', and my only funds is my pension with no Social Security payments because I do not qualify with only 31 credits. I would like for my lawyer or myself to find out if the deed offered was accepted or not. 
I pray that this problem is solved once and for all, I have suffered XXXX and a XXXX from this going back to the initial problem back in " XXXX '' with the loss of {$10000.00} and over the years paying two ( 2 ) lawyers.

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 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX - Reported balance {$3100.00}, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquires listed below. This inquiries were not authorized by me and I request removal right now. 
XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  Acc Inquiry from XX/XX/2020 XXXX  XXXX  Inquiry from XX/XX/2020 XXXX XXXX   Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX  XXXX  Inquiry from XX/XX/2020 XXXX  XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  Acc Inquiry from XX/XX/2020 XXXX XXXX A Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX 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 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NM

Complaint narrative:
I moved out of the XXXX XXXX XXXX XXXX, owned by XXXX XXXX XXXX in XX/XX/2020. I received a bill from XXXX XXXX XXXX of {$780.00} for carpet replacement and an unpaid water bill. I paid the water bill of {$320.00} and sent them a check for the remaining {$450.00} in XX/XX/2020. The water company received my payment and XXXX XXXX XXXX cashed my check, which I can verify through my XX/XX/2020 bank statement. 

I received a bill of {$780.00} from a debt collection agency on XX/XX/2020. I called the debt collection agency to dispute the debt, since I had paid the water bill and the remaining balance, and left a voicemail. 

I then called XXXX XXXX XXXX to alert them that I had paid the debt. XXXX XXXX informed me that I owed an additional {$780.00} and she would not settle the debt.

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 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: WI

Complaint narrative:
Aargon Collection Agency did knowingly, willingly and intentionally harm my credit report by listing a collection to at least all three major credit bureaus for a hospital bill that they are in full knowledge of is in dispute due to medical malpractice. 

The hospital bill they have intentionally and maliciously posted to my credit bureau was for an ER visit where I was immediately sent home only to have 2 XXXX XXXX and a XXXX within 24 hours and taken to another hospital for proper treatment. 

Aargon was notified of this through disputes through the credit bureau and through two eMails directly through their website. They have intentionally ignored all of these and continued, with malice, to destroy my credit file despite these known facts. 

A lawsuit is currently being drafted against Aargon for these issues, in the meantime - I feel a federal indictment of them is warranted. This is intentional, malicious and against the law.

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 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am receiving harassing phone calls from Navient Solutions LLC, again, and again after reporting them, and they had agreed to take my number off their contact list. From a prior dispute that I filed here. 

Complaint # XXXX On XXXX I got a call from 2 of their agents one (  XXXX XXXX ) and Two ( XXXX XXXX ), about a student loan. When I told them that I do not know what there talking about and that I do not do business with their company and that I do not have any student loans with them they refused to let me speak to their supervisor they refused corporate and was very rude and refused to take my number off their calling list. 

I do not do business with them, I do not have any delinquent student loans, I never had any student loans, I am not delinquent on any student loans. 

They call from number XXXX which is their call center number NAVIENT CORPORATION XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
these Accounts are All due to fraud

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 2020-09-23 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: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
The credit card 's annual membership fee posted on XX/XX/2020 of {$140.00}. I called in and spoke with a representative and informed them I was not interested in paying the annual fee and did not want to renew for another year of membership and told them to close my account. The representative proceeded to close my account. The representative made no mention that I still had to pay the fee that is on the account. I called the bank back 2 weeks later since I still see the fee was still in the account and not refunded back, even though my account is now closed. The representative I spoke with now advised that I have to pay the fee and that they can not remove it and that they can not do anything because their hands are tied. I even asked to speak with their manager, and they would not let me speak with their manager and also advised they can not do anything. As a result, I am being charged for something that I will not be receiving any benefits for. This is basically the bank stealing from their customer. I am being forced to pay for the annual fee where I will not be receiving anything back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
To bring this up to date, Wells Fargo 's Remediation ( DPG ) XXXX. XXXX  XXXX, XXXX, Oregon, XXXX letter to me XXXX XXXX XXXX dated XX/XX/2020 said, " Our research indicates that a hold was placed on your deposit account ( s ) that may have been unnecessary. We sincerely apologize for any negative impact this situation may have caused. '' Closed account ( s ) impacted : ending in XXXX ; XXXX Reference Number XXXX. 

Also, they agreed to send me {$250.00}. and {$500.00}. for reimbursement of bank fees. I received the {$250.00}. check XX/XX/2020. I have not received the {$500.00}. check. They sent the check to the wrong address. 
The said they would mail me a reissue form to my correct address twice and it never came. 
They said they sent the authorization to the branch twice, the branch said they never receied XXXX 's authorization to issue the check at the XXXX  branch in XXXX XXXX XXXX, utah and XXXX XXXX at XXXX said he has never received it. I was told by XXXX to go there by appointment. 

I have contacted Wells Fargo many times and every time their statements do not match their actions and this has been going on not for two months. The names of contact are XXXX, XXXX, XXXX XXXX are not verified. I was even told an email was sent to the XXXX  branch of wells fargo with instruction to pick up the check. well, i scheduled an appointment twice and still no email authorization and no {$500.00} check. 

This settlement stems from an investigation over ten years ago as part of the big Wells Fargo they got caught holding depositors deposits for weeks, bouncing checks, charging fees denying access to the funds deposited into the accounts. 

It has been two months since i was to get the {$500.00}. returned to me and since i have gotten the run around, i feel they have no intention fulfilling the REMEDIATION COMMITTMENT THEY AGREED TO.. 

They told me they issued the check on XX/XX/2020 and I'm yet to see it. I have contacted the REMEDIATION DEPARTMENT SEVERAL TIMES and i get nothing but nonsense. WELLS FARGO CASE NUMBER GIVEN TO ME BY XXXX XXXX IS XXXX at XXXX I believe they're giving me the run around and trying to rip me off again by delaying the payment of the {$500.00}. we agreed to XX/XX/2020 and thinking i will just go away. 

I believe i have been more than patient for the wrong doing and I believe they should be shut down until i receive my {$500.00}.

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 2020-09-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Closed my account debit card XXXX on XXXX XXXX, 2020. My SSN is XXXX & my address is XXXX XXXX XXXX XXXX XXXX ca XXXX. My cell number is XXXX. My name is XXXX XXXX XXXX. Ive waited over 2 weeks to get my replacement card since I reported my card stolen.

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 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Dishonest and fraudulent forbearance information, promise, and subsequent sale of loan see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: CL Holdings LLC
State: AL

Complaint narrative:
My identity was stolen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and there are charge off accounts appearing on my credit report that I have no knowledge about. U have never received anything in the mail from the creditors. I would like to see all the information regarding these accounts like when they were open, addresses cards mailed too, transactions receipts and signed applications from each creditor. Equifax, XXXX  and XXXX  are allowing these creditors to report incorrect information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
Eastern Account Systems continues to report a debt on all 3 credit reports that has been recalled by XXXX XXXX XXXX  not once but twice. They refuse to remove even though they have no ownership of account nor do they have a contract. It has been recalled therefore they have no rights to report or attempt to collect. Violating all FDRCA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
This is in reference to the preceding complaint : XXXX They ( Barclays Credit card company ) are now wanting me to connect to a 3rd party site to supposedly view their findings on their investigation. I do not know the site they are wanting me to connect with, am I concerned it might be some type of scam they are trying to do. 

I thought they are supposed to report back to you, I would prefer this because I trust this agency. 

Thank you for any help in this matter, XXXX 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 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On or around XX/XX/20 I was the victim of identity theft and Citibank wire fraud. Online access to my checking and savings account was frozen however the bank did not make every effort to notify me either my email, text or phone numbers associated with my account. Aside from a large amount of money withdrawn via wire transfer, there were also multiple ATM withdrawals and debit purchases by the perpetrator. 
I made numerous calls to Citibank supervisors and went into my local branch over the ensuing weeks ( most recently on XX/XX/20 ) to try to resolve this issue and its now nearly 2 months later and the issue has still not been rectified. My account is still frozen, I reach out to supervisors and do not get responses or follow up.

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