vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. DPT ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I had called credit acceptance and paid off my debt i owe to them, i wanted them to delete it off my credit report but they will not i filled a dispute with XXXX twice its still on my credit 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 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Slovin & Council Co., L.P.A.
State: IN

Complaint narrative:
XXXX XXXX XXXX, a debt collector placed a sue in one the small claims courts of XXXX, IN.This debt collector initially sued a person that is not recognized in the household. Now the collector has stolen my social security number and day of birth on the person whom they trying to reach or sue.The court decided in 2006, against the unrecognized person. Now the debt collector is pushing the court against me to collect a debt that I don't owe.The worst is using my personal information an placed on another person to collect a debt.I did not authorized nobody to sign any contract using my social security number and age.Now the debt collector is going deeper getting information about bank account and personal business or properties.I am worry about this situation. 
please help..!

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 2021-05-18 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: MS

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
I create grow videos on XXXX. My main sponsors are light companies, they send me money through PayPal to purchase the equipment on XXXX. After receiving money this morning for a new piece of equipment that I was going to order, I got a notification that my PayPal has been permanently limited and I wasnt allowed access to my money or able to transfer it. 
They claim that I did something wrong but I have done nothing illegal or against the terms of service. How is this legal for them to hold money for no apparent reason. They claimed they reviewed it, but it happened immediately after accepting the funds so its obviously automated and not reviewed by anyone. 
Please help my account is not unusable and they wont give me a reason why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 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: MI

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KS

Complaint narrative:
I have been trying to get this resolved since back in 2020, I am so frustrated and angry, because NISSAN MOTOR ACCEPTANCE CORPORATION want to help me out. I have tried reaching out to higher management different supervisors different representatives, and I keep getting transferred from one department to another, and all are saying they can't help me.NISSAN MOTOR ACCEPTANCE CORPORATION refuse to remove this fraudulent account from all three of my credit reports, I am exhausted and tired of this negligent behavior. They " verify '' the account to be accurate, yet they are not sending me any viable evidence pursuant to section 609E of the fair credit reporting act. I am a victim of identity theft, and I should not be suffering for something that was not committed by me. NISSAN MOTOR ACCEPTANCE CORPORATION said they are unable to locate an account with the information i provided, but yet they are still reporting this fraudlent account. They are asking me for a VIN number for a car i never owned. Also, the XXXX Nissan Motor Acceptance was just updated with a recent payment of {$2.00}, which i never made, and is a violation of the FCRA which re-ages the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 6. RENTGROW on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Seattle Service Bureau, Inc
State: MI

Complaint narrative:
Recieved a letter from NSB collections stating that money is owed and if not paid they will suspend driver 's licence and have the licence plate removed form my car. I have no knowledge of any such dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
When I bought my XXXX XXXX from XXXX XXXX in Missouri, I was conned into trading in my car, getting less then half the trade was worth. They added a service contract that I never asked for which cost XXXX $ I had problems left and right with the vehicle, and the warranty the service contract came with. Hasnt covered any of the cars issues that they claim are not covered, but when I call the warranty company they are. When I signed the paperwork I asked before signing why is there 2 amounts on the document, they assured me I was paying the XXXX. The listing price for the car was that much, I got approved and then at the last minute when I was finished signing the paper work the lender they said that approved me changed there mind. They then magically found Santander USA and charged me 25 % casual interest. Now Im paying XXXX for a car thats worth XXXX if that anymore. I didnt want the car at that point and they told me that I couldnt get out of the contract due to signing it. When they mailed me the title to the car, the bill of sale, title and legal documents were for a car that I didnt purchase. It took them months to finally get me the needed proper documentation to legally show Im owner of the property. I just need help refinancing. I dont feel it was within my constitutionally protected rights. I never agreed to be financed thru Santander. But the I was scared into believing when they said even if I broke the contract and ended it, I would still owe for the loan on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX I opened an eligible Citi priority checking account and savings account to fulfill Citi priority account bonus opening requirements. I funded the account within 30 days of account opening ( XX/XX/XXXX ) with at least {$50000.00}, the funds remained for 60 days, to fulfill Citi priority banking account bonus requirements, which were told to be paid out within 90 calendar days. 

Through this time period, I was repeatedly told by Citi customer service representatives that I was acting accordingly to fulfill bonus requirements and that my bonus requirements have been met and was most certainly getting paid out soon, I just needed to wait some days longer. Unfortunately I do not have additional records other than from the Citi messaging system, as i was not expecting this bonus claim process to come to this, 3+ months later, but these contacts alone very well document my issues ... 

XXXX - " You have qualified for the bonus offer on XX/XX/XXXX. So the bonus amount will get credited in the account within 90 calendar days starting from XX/XX/XXXX. '' XXXX - " it takes another 90 days time frame for the account bonus to get credited on your account mentioned on the terms and conditions '' XXXX - " you will receive it by the end of XXXX month '' XXXX - " it will be credited anytime in the 90 days '' " allow 2-3 days for the credit '' XXXX - " Need not worry you can expect the bonus amount in your account before 90 days form the 60th day where you have maintained the funds in your account '' " So you will be getting the bonus on or before XX/XX/XXXX '' These conversations in the chat window are captured in texts attached. Calling I was told similarly, and calling again on XXXX, XXXX talking to an account executive confirmed I was eligible and opened up yet another account dispute on the subject.

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 2021-05-18 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: DE

Complaint narrative:
( Tuesday XX/XX/XXXX ) I went to a convenience store ( XXXX ) to use the XXXX ATM for a withdrawal using my unemployment issued debit card through a company called ( Reliacard ) The XXXX atm did not dispense the money and malfunctioned. I called XXXX immediately and was not able to get any help. 
I called the convenience store manager over and he was also not able to help. I tried to file a police report simply to document everything that happened, because with no one willing to help, I consider that theft. 
I called Reliacard and was told to hand write a letter stating everything that happened, and I would get a provisional credit in 10 business days. After 12 business days I called and was told another 5 business days to potentially 45 more days for their investigation. I still do not have that weeks unemployment insurance paid to me yet. 
I receive the payment every Tuesday, today is Tuesday XX/XX/XXXX, and for some reason I did not receive this week 's payment either yet I immediately called US Bank Reliacard just now, and they told me the payment hasn't cleared, but my unemployment website is saying it cleared yesterday ( like it does every week and I usually don't have an issue ) so I asked again about my other payment dispute from XX/XX/XXXX and they are just giving me the run around. As of today XX/XX/2021 Reliacard is illegally holding {$1200.00} of my unemployment payments and I have bills due, Please help.

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 2021-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Looking over my credit report and notice some a hard inquiry that I do not recognize and are all over 90 days old and this : XXXX XXXX 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 2021-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc.
State: GA

Complaint narrative:
I applied for a PPP loan with XXXX on XX/XX/21, I was approved by the XXXX on XX/XX/21, I signed loan docs on XX/XX/21. I have been asked to proved ID 3 times with no result of funding being released. I am unable to reach a person by phone or email and the chat bots are unhelpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stone Creek Financial, Inc
State: IN

Complaint narrative:
Stone Creek Financial, a debt collector placed a sue in one the small claims courts of XXXX, IN.This debt collector initially sued a person that is not recognized in the household. Now the collector has stolen my social security number and day of birth on the person whom they trying to reach or sue.The court decided in 2006, against the unrecognized person. Now the debt collector is pushing the court against me to collect a debt that I don't owe.The worst is using my personal information an placed on another person to collect a debt.I did not authorized nobody to sign any contract using my social security number and age.Now the debt collector is going deeper getting information about bank account and personal business or properties.I am worry about this situation. 
please help..!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
My Loan/mortage loan was transferred XXXX XXXX  on behalf of XXXX XXXX XXXX XXXX XX/XX/XXXX of this year. I have for 2 weeks attempted to speak with a live person on the phone however I am unable to leave a message and the system pushes you through to the auto pay menu. They were also unable to accept my payment prior to my cut off because the system wouldn't recognize me as a customer. I have all of my transfer paper from my previous Mortage along with account number however I could not make my payment. Also I am in immediate need to speak with account management due to some damage I had incurred and the home insurance is paying for repairs. Hower since I can not get in contact with a real person I don't know where to fwd. the insurance check for cosigning. so I am unable to start any repairs without this important piece of info. 

From my short prospectus of this company they appear deceptive and lack handling my XXXX Mortage Account as a Fiduciary. 

Sincerely, 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 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
NEW REZ XXXX DBA Shellpoint Mortgage ) has committed fraud in refusing to process our loan payoff. We paid off our loan on XX/XX/2021. They stated that processing would be completed within 30 days. I contacted Customer Service department on XX/XX/XXXX XXXX 30 days XXXX. XXXX XXXX said that the loan processing would take up to 90 days, not 30 days. He would not allow me to talk with the Loan Servicing department which had send the email with the assurance of 30 day processing. I was alarmed by this tactic and after many attempts to find out how to proceed, he finally gave me an email address to contact the Loan Processing department. I then sent email ( attached ) asking the the loan payoff be processed according to the agreed upon 30 days. I have not received any response to my request. NEW REZ is failing to completed processing our loan payoff and committing fraud in so doing. 

Further, note that XXXX XXXX provided me an unrecorded letter notarized on XX/XX/2021 showing satisfaction of security instrument. NEW REZ is committing fraud in failing to process our loan payoff.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Looking over my credit report and notice some a hard inquiry that I do not recognize and are all over 90 days old and this : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
AssetCare , LLC is attempting to collect a debt that does not belong to me. They sent me the attached notice of debt on XX/XX/2021. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence via USPS mail on XX/XX/2021. I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from AssetCare , LLC. As far as I know, this has not been reported to any of the credit bureaus but I'd like them to cease all collection efforts and assure me that this will not be reported to the credit bureaus as this alleged debt does not belong to me. I am requesting legal action to terminate this account immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 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: OH

Complaint narrative:
The information that has been on my credit report doesn't belong to me and has been hindering me from gaining a better credit file going forward. The account listed is fraudulent and I don't have a hand written signature with the reporting company, therefore it needs to be remove immediately from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. The late payment dates are as follows : XX/XX/2020 and XX/XX/2020

Company response to consumer: Closed with explanation