vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I made the payment in XXXX. It was removed off my credit report. Now 5-8 months later I'm getting a call that I owe money when I already paid. They are saying they have no record of payment when they even took off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. They address they provided to reach them is not accurate and the mail was returned. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.

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 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I had a joint checking account with my wife for 3 years. I need a copy of my statements for a government agency. They are demanding I come into a branch location to obtain this data. There are no branch locations in my state. They refuse to accommodate me in another way that is actually possible for me to obtain my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Unauthorized inquiry by XXXX on XXXX Unauthorized inquiry by XXXX XXXX on XXXX Unauthorized inquiry by XXXX XXXX  on XXXX Unauthorized inquiry by XXXX XXXX on XXXX Unauthorized inquiry by XXXX on XXXX I called each company to state that I didn't initiate these inquiries and requested for them to delete the inquiries from the bureaus or send me a deletion letter. I was ignored after several request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was the victim of identity theft and my account and debit card were charged without permission at certain merchants. I notified chime bank and have have submitted multiple disputes with them with, only to be denied on 95 % of the charges. They even denied a lot of charges at one merchant while refunding a few, " handpicked '' charges so they could look like they were actually investigating. After repeatedly asking for proof and documents every time i submitted the dispute, they came back with " merchant says they are not responsible '' and denied. Well i already know the merchant says that because i contacted them in the very beginning and chime evidently doesnt understand i am disputing with them, my bank. Chime evidently is unaware of the law and never issues temporary credit while doing their " fake '' investigation. I will attach the list of charges and results, you will notice they denied the majority of " XXXX '' but accepted a few of them, showing how inconsistent and fake they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: MO

Complaint narrative:
I have numerous credit inquiries that i did not authorize and are showing up. I have disputed by phone and nothing done. I disputed online and they closed the dispute same day saying they will remain for 2 years. This is not correct to do and fraudulent. I want these removed. It seems to me that a credit bureau reporting false info needs to be held accountable and should fix the areas of concern. Pages 3, 4, and 5 of the uploaded report shows the inquiries that are not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MA

Complaint narrative:
will not unfreeze my account, also will not disclose the reason of why account had been frozen and each rep spoken with have lied numerous times about situation as well as being rude and ignorant and just completly unprofessional, and as well as supervisors i was trans over to speak with them as well. i need help with this please my account has been frozen for months now and ive been lied to for months on who to call to reslove this ive been lied to and told the state of PA froze the account which is not true at all the bank put a freeze of account with no legitimate honest reasoning why and refusing to give me explaination of why and how to unfreeze, i have submitted every document i was asked over 10 differnt times with proof of phone calls, emails and faxes ive sent. 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 2021-08-24 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: LA

Complaint narrative:
I've sent a letter last XX/XX/2021 but it is almost 30 days now but no response yet. I am a victim of Identity Theft. I'm so stressed every day, I got a low credit score because of fraudulently used of accounts without my permission. I've already contacted the credit bureaus and furnishers to raise this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: CITIBANK, N.A.
State: MS

Complaint narrative:
On XX/XX/2021 I checked my credit report and saw many unauthorized credit report inquires. One of them being Citi bank on XX/XX/2021 and XX/XX/2021. I recently was a victims of mail theft in which they were able to obtain my birth certificate and VA letter containing my SSN along with other mail. They stated they would flag the application as fraud and would send me a packet in the mail stating it was canceled. However, I still have this fraudulent credit report check on my credit that I did not authorize. I have made a police report of the identity theft with the local police as well as the FTC. There is currently a freeze on my credit report that I have placed as well.

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 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Since the dissolution, by divorce, in XX/XX/2019, of the marriage with XXXX XXXX, and the resulting property settlement, which placed the property in my sole ownership, I have tried to remove my ex husbands name from the mortgage loan. For New Rez in care of XXXX Mortgage Service, which this complaint is against, unlike for XXXX XXXX  and XXXX XXXX which have received the divorce settlement documents and responded by removing my ex-husbands name from the mortgages they hold, New Rez has demanded a 1 % fee to remove XXXX XXXX name. The latter two mortgage companies just responded to the judges ruling and removed his name. I do not know where my ex-husband is. I do not have contact information on him. Therefore, regular business requiring his signature such as a forebearance plan, a refinance, a sell, or any other normal business activities can not be accomplished.

During the covid 19 pandemic many financial hardships are being dealt with and I think to require a 1 % fee to simply drop XXXX XXXX name from the mortgage, as other mortgage servicing companies have done, is gouging and is taking advantage of the consumer. The letter they sent requires the fee be no less than {$400.00} and no more than {$900.00}. Their letter states a 1 % of principle fee which in my case would be {$140.00}. so it is more like 3 % in my case. Not only that but their instructions require all borrowers signatures which is impossible because, as already stated, I do not know where XXXX XXXX is and have no contact information on him. There is every possibility that I may lose possession of this home since this month I asked for a forebearance period on this house. At the end of the forebearance period they will no doubt ask for his signature on documents which I will not be able to provide. This mortgage servicing company is using this request as another income stream. This procedure was not disclosed on the mortgage document at signing of the mortgage documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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:
Citibank closed my checking account for unknown reasons on XX/XX/2021. I received an email on XX/XX/XXXX advising me of this. I had XXXX in my account at that time and I was told that a deposit of XXXX and XXXX were invalid. That would leave XXXX in my account that Citibank owed me. I called on XX/XX/XXXX, and spoke to a XXXX who supposedly was a supervisor in the Electronic Fraud Department and she told me she was going to email the investigation depart to mail out a check to me and to call back 2 days later to verify that a check was issued. I called back 2 days later and spoke to XXXX and she said I had to wait 30-60 days for a check. I called today, XX/XX/XXXX, and XXXX said I wasnt due any money. I told her that I wanted to speak to a supervisor. I was connected with XXXX who was a supervisor in client relations and he told me that there was no supervisors in the electronic fraud department Which means that I was lied to once again. I received a letter from Citibank today saying that no funds were owed me and that as far as they are concerned the matter is closed. How can their representatives tell me that a check is in the mail and then that they owe me {$110.00} ( which I agree with ) to not owing me any money with no explanation?

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 2021-08-24 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: LA

Complaint narrative:
I've sent a letter lastXX/XX/2021 but it is almost 30 days now but no response yet. I am a victim of Identity Theft. I'm so stressed every day, I got a low credit score because of fraudulently used of accounts without my permission. I've already contacted the credit bureaus and furnishers to raise this issue.

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 2021-08-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I called each credit bureau early XX/XX/2021 because I noticed accounts reporting inaccurately and they all told me to send disputes including my ID, SS #, and a utility bill proving my identity and address. So XX/XX/XXXX I sent out my disputes CERTIFIED MAIL and I have proof they were received. They have NOT updated, deleted, or even responded to me. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Collection Systems, Inc.
State: MI

Complaint narrative:
XX/XX/2021 {$2400.00} I called to verify and tehy asked for {$1000.00} more than what was owed National Credit management

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX, I received an email stating that XXXX was sent via XXXX from my checking account. I called Chase to let them know that I did not authorize that transaction and I was told a claim would be filed and that I would receive a confirmation email. On Sunday I noticed that I still hadnt received the emailed and called chase customer service who stated she saw no claim filed in the system and that I would have to call back on Monday when they reopened. I called and filed a claim. They reversed the money temporarily. I received a letter approximately 10 days later stating that my claim was denied and that the money will be removed from my account. I called to dispute the claim and was told there was nothing else that could be done for me. I have banked with chase for over 20 years and this is the level of customer service I receive. I am very upset that chase allowed someone to steal XXXX of my hard owned money with no assistance of returning my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Nelnet, Inc.
State: NC

Complaint narrative:
My student loan was in deferment and they reported the loan as late payments. I also never attended XXXX XXXX XXXX and they charged me any way for the loan. I consolidated my loan with nelnet and they STILL garnished my taxes and the remaining balance of {$61.00} they allowed Nelnet to consolidate on a plan to repay. They were supposed to consolidate the entire amount for the student loan. That was the agreement. They illegally garnished my taxes while in consolidation. I paid the {$61.00} in XX/XX/2020. My account with Nelnet is in good standing and paid. US Department of Education and XXXX XXXX are reporting that my account is delinquent. This is not accurate. The account was consolidated with Nelnet and is in good standing. I have called the US Department of Education and they tell me to call Nelnet. Nelnet tells me to call US Department of education. This inaccuracy is bringing my scores down over 100 points on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC
State: FL

Complaint narrative:
Last year, I filed a complaint with the CFPB for a Rooms to Go debt that was agreed to be settled and paid. The amount originally owed was {$300.00}. The amount was settled for less than the amount owed. See the attached. Also, please reference the CFPB complaint from last year. 

However, this debt is still being reported to XXXX  and XXXX, but as a delinquent charge off for a {$3000.00} credit line, which is entirely inaccurate. Additionally, they have an old address for me, which is also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquiries on my credit report.These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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:
According to Florida law ( I have enclosed the statues that state this as attachments. ) a debt collector can not collect a debt from a Florida resident unless the debt collector is Licensed in the State of Florida. This applies to out of state collection agencies. ( Refer to attachments ) as well as in state agencies. XXXX XXXX XXXX is not licensed in the state of Florida to collect debts in Florida. The statues are very clear and can be researched further if need. Experian is allowing XXXX XXXX XXXX XXXX to try to collect and unlawful debt. This law does not apply to original creditors. Since XXXX XXXX is not the original creditor this law applies to them. I have filed a complaint with the Florida Attorney Generals office. I have also filed a complaint against Experian with the CA Attorney generals office for allowing XXXX XXXX XXXX to engage in illegal activity by trying to collect on a debt illegally. I filed a complaint with the GA attorney Generals office on XXXX  for the same thing, I also filed a complaint with the IL Attorney Generals office against XXXX  for the same issue. Unless XXXX XXXX XXXX XXXX can produce proof that they are licensed in the state of Florida to collect a debt from a Florida resident then they are engaging in fraudulent activity and Experian, XXXX  and XXXX  are complacent in this 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 2021-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to Florida law ( I have enclosed the statues that state this as attachments. ) a debt collector can not collect a debt from a Florida resident unless the debt collector is Licensed in the State of Florida. This applies to out of state collection agencies. ( Refer to attachments ) as well as in state agencies. XXXX XXXX XXXX is not licensed in the state of Florida to collect debts in Florida. The statues are very clear and can be researched further if need. XXXX  is allowing XXXX XXXX XXXX XXXX to try to collect and unlawful debt. This law does not apply to original creditors. Since XXXX XXXX is not the original creditor this law applies to them. I have filed a complaint with the Florida Attorney Generals office. I have also filed a complaint against XXXX  with the CA Attorney generals office for allowing XXXX XXXX XXXX to engage in illegal activity by trying to collect on a debt illegally. I filed a complaint with the GA attorney Generals office on XXXX for the same thing, I also filed a complaint with the IL Attorney Generals office against Transunion for the same issue. Unless XXXX XXXX XXXX XXXX can produce proof that they are licensed in the state of Florida to collect a debt from a Florida resident then they are engaging in fraudulent activity and XXXX, Transunion and XXXX  are complacent in this 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