vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: PA

Complaint narrative:
Hello, Under the U.S Code 1681b title 15 permisable purposes of consumer, I never given you any written consent to report anything on my consumer. 

No where in federal law is it written that a debt collector or consumer reporting agency msut report any information to a consumer report regarding a consumer EXCEPT under the written instructions of the consumer, and I XXXX XXXX, the consumer, did not give no consumer reporting agency or debt collector any type of a written instructions. 

By law the following alleged accounts must be deleted immediately since they are in fact a violation to me as a consumer and any name or address that does not reflect my actual name XXXX XXXX XXXX and my place of abode, XXXX XXXX XXXX, XXXX, PA, XXXX must be deleted immediately. 

CHAPTER XXXX BANKRUPTCY : BANKRUPTCY Acct. # XXXX XXXX  XXXX XXXX Acct. # 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 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed a collection and a few hard inquiries on my credit report I do not recognize

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 2021-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I was given an insurance check that needs the banks endorsement before we can get our roof fixed. Freedom Mortgage told us that it was a 7-10 day process unless we paid to over night the check and sent a prepaid over night return envelope with it. We paid for the overnighting because we actively have water coming into our home doing more damage every time it rains. We overnighted the check on Monday XX/XX/XXXX and they received it on the XXXX. Today is the XXXX and we still have not received the check back and the tracking number says that they havent even mailed it. I have talked to numerous reps and all show the check received, in processing, account in good standing, and that it should simply be a rubber stamp and returned. I spoke with a manager on XX/XX/XXXX named XXXX that said she would find out what the problem was and call me back by the end of the day. I have not heard anything from her. Freedom Mortgage has been terrible and misleading in this process. As much money as we pay them and the amount of vested interested they have in our home they should bending over backwards to ensure it is taken care of.

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 2021-07-24 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: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
This account is 10 years old and was scheduled to be deleted almost a year ago and still remains effecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: NJ

Complaint narrative:
I noticed a collection and a few hard inquiries on my credit report I do not recognize

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 2021-07-24 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: NJ

Complaint narrative:
I noticed a collection and a few hard inquiries on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: MO

Complaint narrative:
Ar Resources inc XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX M.O. XXXX XXXX To whom it may concern Re : This Account is not mineI received a alert from XXXX XXXX that you are reporting this fraudulent account as mine.

You claim I owe a debt to your company.

I am requesting that you provide validation of this debt! If you do not comply with this request, I will immediately file a complaint with all three credit Reporting Agencies, the Federal Trade Commission, and the Missouris Attorney Generals office.

Civil and criminal claims will be pursued.Sincerely, XXXX XXXX I have immediately sent a complaint to the CFPB!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
debt collector Harris and Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX, ( XXXX ) XXXX XXXX did not send a letter stating any amount was over due. so that I could dispute it. I do not have a balance due for medical/hospital. As a matter of fact. the hospital refunded me {$30.00} dollars for over payment of the billing. The debt collector erroneously, reported a debt of {$100.00} dollars to the credit reporting agencies which negatively affected my credit score. I have attempted to resolve the matter by phone and have not received a phone call back. attached is a copy snap of my account that states XXXX balance also a copy of a check refunded to me for over payment. if any money was owed the hospital would have applied that {$30.00} dollars to the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: FL

Complaint narrative:
I submitted a dispute with Experian in XX/XX/2020, for an account with XXXX XXXX XXXX XXXX. On XX/XX/2020 this account was removed from my credit report with XXXX, XXXX  and Experian. In XX/XX/2020, ( I am unaware of the exact date ) XXXX XXXX XXXX XXXX reappeared on my credit report. I did not receive any letter from Experian or XXXX XXXX saying that they would be reinserting this item back unto my credit report. I called Experian to find out what happened and the representative was unhelpful. I have sent numerous letters to both Experian and XXXX and the only response I have received from both companies is that they will not be removing this account, and I can no longer dispute the account with Experian. I sent both companies a copy of my identity theft reports. I am now a victim of improper reinsertion. I did not receive any written notification from Experian or any creditor stating that this account would be reinserted within five days of insertion. This information is affecting my credit and does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was scammed out of approximately XXXX dollars a couple of months ago. I was promised a puppy and paid the owners of the dog. When it was time to receive the dog they didnt show up and used fake websites and accounts to reel me in. I clearly didnt get what I paid for and have now lost a lot of money to people are potentially scamming. I called Wells Fargo and they didnt help me and didnt give me any solutions or pointed me into a direction that could solve my problem. They were incredibly lackadaisical even though it was a clear scam. The names of the dog owners didnt match the names of who the money was sent to.

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 2021-07-24 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:
Unauthorized reporting multiple laws were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have been a XXXX  member since XX/XX/2019 as an Executive member with number XXXX and also had a Citi credit Card with number XXXX XXXX XXXX. I made payments arrangement via XXXX website where i was paying minimum $ 39 monthly .Then i decided to increase my payment to {$150.00} a monthly via my XXXX  XXXX XXXX Account XXXX I was paying regularly and on time since my payment via my XXXX  XXXX XXXX account was set up on the same day my wages are deposited. Then i decided to close my payments via XXXX account since, i was making two different payments i was unable. I called XXXX and they informed me the payment has been deleted and that i will only be paying on my card via my XXXX  XXXX XXXX Account. After a couple of months i noticed that i was been charged {$44.00} on my account i called Citi and they told me it a return payment ; then i informed them that i always get email confirmation of my payments on the day my direct deposit was paid into my account. Little did i know that Citi did not delete the other minimum payment account of {$39.00} which they had informed me they had deleted. 
In XXXX i reported that my card was missing. I received a new set of cards, activated them but when i went to XXXX to make purchases, my card was rejected. Then i called XXXX and they told me my card was closed!! I asked for what reason they told me i have one or two missed payments in the last six months. But then i told them i do pay regularly because, my payments are tied to my direct deposit so there was no way i could miss my payments. Not knowing that Citi did not delete the {$39.00} payments which was the other payment i was doing. In essence I was making two different payments on my credit card. So when they told me my card was closed i was shocked!! and i felt i was not treated fairly like all other customers. I strongly feel that i have been targetted. For what reasons i have no idea. Prior to this incident, i had complained that i was not treated fairly when my credit limit was arbitrarily reduced without notice after i had made some huge purchase when i moved from XXXX  to XXXX. That affected my credit score as such i reported that i was not been treated fairly and that i was targetted as a customer which against the laws.

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 2021-07-24 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
On XX/XX/XXXX - I received a hard inquiry from Nissan dealership located XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I did not consent to my credit being processed nor was I present. I wrote an email and letter to the general manager. I have not heard back from anyone on how to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: IL

Complaint narrative:
It's been well over 100 days since my first attempt and we'll past 30 days since my most recent to get this account verified. They said they would send me put my initial paper work in the mail and I haven't got anything. They 100 % have my correct address as well because I I everything I could to get this resolved and told them this. I've sent letters including some to the credit buros directly recently and I'm done waiting. SHOW ME MY SIGNATURE WITH ALL DATES SND AMOUNTS OR LEGALLY REMOVE IT. You already took it off my transunion report months ago because you agreed you couldn't verify it, you didn't take the time to do the other 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
The creditor/ " debt collector '' has failed to adhere to Section 809 ( a ) ( 1-3 ) within the Fair Debt Protection Act, stating that within five days of initial communication the creditor/ " debt collector '' is required to send the consumer written notice containing : -The amount of the debt, -The name of the creditor to whom the debt is owed, -A statement that unless the consumer, within 30 days after receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

I have since made them aware of their violation and have proceeded to ask them to validate the account as outlined within Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt.

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights

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 2021-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020 an individual went to the Home Depot store in XXXX XXXX Georgia and charged {$1800.00} on my account. After several attempt to have the store remedy the situation they still insisted that I am responsible to pay these bills. I have paid some of these bills and is due a refund. Based on my calculation I have overpaid {$360.00} on the account. They have reported me to the credit reporting agencies which has been causing me a lot of stress. I can not do any thing that requires a credit score and this is very distressing because I paid my bill on time. Since this time they issued me Two new cards plus my original card adding up to 3 cards. My Question to Home Depot is Why did they issue me " 3 new cards ''

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 2021-07-24 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: U.S. BANCORP
State: IL

Complaint narrative:
It's been well over 100 days since my first attempt and we'll past 30 days since my most recent to get this account verified. They said they would send me put my initial paper work in the mail and I haven't got anything. They 100 % have my correct address as well because I I everything I could to get this resolved and told them this. I've sent letters including some to the credit buros directly recently and I'm done waiting. SHOW ME MY SIGNATURE WITH ALL DATES SND AMOUNTS OR LEGALLY REMOVE IT. You already took it off my transunion report months ago because you agreed you couldn't verify it, you didn't take the time to do the other 2.

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 2021-07-24 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: PA

Complaint narrative:
Hello, Under the U.S Code 1681b title 15 permisable purposes of consumer, I never given you any written consent to report anything on my consumer.

No where in federal law is it written that a debt collector or consumer reporting agency msut report any information to a consumer report regarding a consumer EXCEPT under the written instructions of the consumer, and I XXXX XXXX, the consumer, did not give no consumer reporting agency or debt collector any type of a written instructions. 

By law the following alleged accounts must be deleted immediately since they are in fact a violation to me as a consumer and any name or address that does not reflect my actual name XXXX XXXX XXXX and my place of abode, XXXX XXXX XXXX, XXXX, PA, XXXX must be deleted immediately. 

CHAPTER XXXX BANKRUPTCY : BANKRUPTCY Acct. # XXXX XXXX  XXXX XXXX Acct. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, Under the U.S Code 1681b title 15 permisable purposes of consumer, I never given you any written consent to report anything on my consumer.

No where in federal law is it written that a debt collector or consumer reporting agency msut report any information to a consumer report regarding a consumer EXCEPT under the written instructions of the consumer, and I XXXX XXXX, the consumer, did not give no consumer reporting agency or debt collector any type of a written instructions. 

By law the following alleged accounts must be deleted immediately since they are in fact a violation to me as a consumer and any name or address that does not reflect my actual name XXXX XXXX XXXX and my place of abode, XXXX XXXX XXXX, XXXX, PA, XXXX must be deleted immediately. 

CHAPTER XXXX BANKRUPTCY : BANKRUPTCY Acct. # XXXX XXXX  XXXX XXXX Acct. # 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 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: MD

Complaint narrative:
I am XXXX XXXX for a couple of years. I have been living in XXXX  until I moved to XXXX  since XX/XX/2021. I have updated my personal information ( address change, driving license and vehicle information ) in ubers driver app, bank account, insurance etc. I did notify DMV, the county that I used to live and all other offices about my address change accordingly. However, I have received an email on XXXX XXXX, from checkr about my background check for uber. When I saw the details on my background check report, there are wrong ( unupdated information ). They put my old address with my old driving license number and reported as if I have no active driving license. I have tried to reach at them through email and phone call. I have attached my current driving license though their portal but they are not taking any corrective actions and I couldnt reach at them through phone. Because of that wrong background report, uber declined me from using the XXXX XXXX app and my credit score dropped. Please let me know what to do for checkr to correct their report thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The creditor/ " debt collector '' has failed to adhere to Section 809 ( a ) ( 1-3 ) within the Fair Debt Protection Act, stating that within five days of initial communication the creditor/ " debt collector '' is required to send the consumer written notice containing : -The amount of the debt, -The name of the creditor to whom the debt is owed, -A statement that unless the consumer, within 30 days after receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

I have since made them aware of their violation and have proceeded to ask them to validate the account as outlined within Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt.

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights

Company response to consumer: Closed with explanation