vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2021 I sent in dispute letters certified mail with my credit report enclosed with circled inaccurate and inconsistent data, and supporting documents, such as incorrect balances, incorrect late payment information, incorrect date opened, and incorrect credit limits on accounts mentioned in the dispute letters. 
I sent on XX/XX/2021, a 30 day demand to comply letter because I have yet to see the inaccurate late payments and inaccurate data fixed off my credit report or any response of a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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 — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
CITIZENS BANK Re : Acct # XXXX To Whom It May Concern : I am continually being called on the telephone by your firm over an alleged {$10000.00} debt. According to the information given to us by your firm, the date of last activity by the original creditor was XXXX XX/XX/2008. The State of Limitations on this alleged debt, even should it be ours, is 5 years in the state of Florida. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. 
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2021 I sent in dispute letters certified mail with my credit report enclosed with circled inaccurate and inconsistent data, and supporting documents, such as incorrect balances, incorrect late payment information, incorrect date opened, and incorrect credit limits on accounts mentioned in the dispute letters. I sent on XX/XX/2021, a 30 day demand to comply letter because I have yet to see the inaccurate late payments and inaccurate data fixed off my credit report or any response of a proper investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Two months ago I wrote letters to Experian, XX/XX/XXXX & XX/XX/XXXXXX/XX/XXXX & XX/XX/XXXX responded in 30 days but Experian did not. XX/XX/XXXX & XX/XX/XXXX corrected the error but Experian failed to respond & I can not dispute again. The collection agency isXX/XX/XXXX with a balance of {$730.00}. This account is incorrect & the debt does not belong to me. This account is only reporting on Experian. This error is affecting my credit score & my financial standing. Please fix this. I can be reached at XXXX or XXXX. Also experian is reporting incorrect names as well, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are all incorrect.

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 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/2021 I was texting who I thought was my friend via XXXX and it was a hacker pretending to be her. The hacker requested for quite a bit of money via Zelle because the bank did not allow to exceed limit amounts for transfer and that first hour in the morning I will have it back. Again I thought it was my friend who I was speaking to when I completed the transfer, wanted pictures and screenshots to prove transfer was made. Moments ago after I made the transfer I got a message from a group chat we are part of and notified me to not send anything that it wasnt her. That she was hacked. I immediately deleted any information having to do with the hacker and contacted XX/XX/XXXXXX/XX/XXXX to freeze the account to issue me new card. 

Not XX/XX/XXXXor Zelle wants to be responsible or find any resolution to my error authorizing with a fraudulent person. I really thought it was somebody I knew when it wasnt. Thats why I gave the approval. XXXX doesnt want to help because it was an authorized transfer and Zelle doesnt want to help because they have no fraud protection with clients and I did it via Zelle but through my bank provider not with them directly. 

The last thing I have done was go to police department and file a case with them about disputing the charge but I know it will sit on the desk and not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Metacorp LLC
State: TN

Complaint narrative:
I recently submitted a claim against an outsourcing company called Metacorp. They responded to my original complaint today stating they outsourced this debt to different collection agencies. Spoke with XX/XX/XXXX and XXXX XXXX XXXX and are aware that I have spoke with XX/XX/XXXX regarding identity theft. They suggested I report identy theft to the FTC ( which I did XXXX so all communication would stop regarding this debt. They also stated and I quote " Nonetheless, as MsXXXX XXXX continues to alleged that this account was fraudulently opened, we have recalled her account from XXXX XXXX XXXX and have placed it in a " FRAUD-PENDING '' status. '' I just received an email now from XXXX XXXX XXXX with instructions to clear the debt. Obviously Metacorp did not do as they said they would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CITIZENS BANK Re : Acct # XXXX To Whom It May Concern : I am continually being called on the telephone by your firm over an alleged {$10000.00} debt. According to the information given to us by your firm, the date of last activity by the original creditor was XXXX XX/XX/2008. The State of Limitations on this alleged debt, even should it be ours, is 5 years in the state of Florida. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. 
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I created my checking account around XX/XX/XXXX with the promotion XXXX. After waiting for several months to receive the {$400.00} bonus for opening my checking account, I received a message from customer service on XX/XX/XXXX stating that I had funded my account on XX/XX/XXXX and I maintained the balance for 60 days and qualified for the bonus. I was then told that I should receive the cash bonus on or before XX/XX/XXXX. After not receiving the cash bonus, I contacted customer service again on XX/XX/XXXX and I was told that I would be receiving the bonus on XX/XX/XXXX. After not receiving the cash bonus again, I contacted customer service on XX/XX/XXXX and an investigation was launched to determine the status of my bonus and whether or not I qualified for it. A decision was made on XX/XX/XXXX stating that I qualified for it and would receive the bonus within 30 business days. I then reached out on XX/XX/XXXX to customer service to check on the status of my bonus and I was told that case was pending for 3 more business days and that it would be resolved after that time. It was supposed to be resolved today, XX/XX/XXXX and it has not been and I have yet to receive my credit. I contacted customer service again and I was told instead that I would be credited the bonus by the end of this month. I was supposed to receive the bonus on XX/XX/XXXX and it has been over a month and a half now since I was supposed to receive it.

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 2021-03-24 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I checked my credit report and noticed Amsher Collection Service on my credit report. I immediately sent them a debt validation letter that was mailed on XX/XX/2021 asking for What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : On XX/XX/2021, according to USPS tracking, Amsher received my debt validation letter. It is now XX/XX/2021 and Amsher has not validated the debt nor has sent me any response. This collection company has violated the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: FL

Complaint narrative:
I am extremely upset! I was looking at my credit and there are accounts showing that are not mine! How can something like this happen! Why is it that my credit file has someone else account information! Who put this on my credit report? From what i can see this is fraud or an absurd mistake. My credit score is super low and now I am not able to use my credit in a pandemic! My engine in my car is ruined and I cant even get a new car because of this problem! Please help me and investigate this absurd problem.

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 2021-03-24 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: FL

Complaint narrative:
I sent police report an FTC report. I sent XXXX  XXXX report. And they dont have a consumer contract with my signature on nothing. XXXX  XXXX said that they dont no how the application was submitted. Experian has been very unhelpful. I would not trust them again. I will leave my credit file frozen for ever. If companies does business with them I will op out. Only XXXX or XXXX  will I do business. Thanks

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 2021-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OK

Complaint narrative:
Initiated refinance loan app XX/XX/XXXX. Paid {$470.00} fee to Amerisave on XX/XX/XXXX. Loan still has not closed as of XX/XX/XXXX. Very poor customer service I qualify for this VA cash out refi based on my great credit scores and income. I also have equity in my home. Amerisave was very quick to take my {$470.00} deposit to start the loan process on XX/XX/XXXX, and all requested documents were submitted within 30 days of starting the process. By early XXXX I began to inquire about the status of my loan and was told it was in queue waiting to be reviewed by underwriting. In late XXXX my loan originator XXXX advised me that locking a rate of 2.25 would ensure the loan would close in 30 days. I agreed to lock the rate and I am still waiting to close. Now Amerisave is not accepting my HOA CC and R documents and won't accept statements from my HOA administrator that I have no debt. I have lived in my home for many years and have done 2 previous refi VA loans with zero problems. But they stated my HOA documents dont meet VA requirements. Amerisave continues to bait and delay the process without justification.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
So some unauthorized transaction been going my XXXX XXXX account an XXXX  XXXX I never approve of any of the transaction they transfer information to different emails an phones I never approved by using spoof and thats how they ended up transferring money. They also applied for a ppe loans and open banks an phone accounts under my ssn # I block my ssn # so it can stop hopefully it helps out

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 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I've already reached out to my bank to report that I was scammed to transfer money in the total of {$20000.00}. I asked if they could help and recover the money since it was a fraudulent scam activity. However, my bank told me they wouldn't be able to help. The resolution I'm looking for is to report this and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is a predatory lender. I have a payment arrangement in place in XX/XX/XXXX for my vehicle financed with their bank. I submitted the payment and it had yet to be processed due to the federal bank holiday. XXXX still had the vehicle repossessed but then refunded all the repossession charges as it was a mistake. But they refuse to remove the reporting from my credit report. I have submitted documentation, disputed with the credit bureaus, made several calls, reported them to the district attorney in California and was told by the office of the president they would not further assist with my account. I finally sold this vehicle for negative equity in XX/XX/XXXX to be rid of XXXX. Shortly after XXXX was sued in a Class Action lawsuit for predatory lending. I received notice from the state informing me there would be documentation coming from XXXX with resolutions to serve closed accounts. I still haven't heard from 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 non-monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft, and Im writing to dispute certain information on my credit file resulting from the crime. On XXXX ( 11 ACCOUNTS ) that where reporting on my credit file where ( REMOVED/DELETED ) without my consent nor authorization. Im requesting for these 11 accounts to be ( RE-INSERTED BACK ON MY CREDIT FILE ) ASAP! WHEN I CALLED TO SPEAK TO A AGENT TODAY I WAS INFORMED THAT MY ENTIRE CREDIT FILE HAVE BEEN DELETED OF ALL OF MY ACCOUNTS AND PERSONAL INFORMATION! THE AGENT ONLY SEE 1 ACCOUNTS REPORTING WHICH IS A ACCOUNT THAT ( IS NO LONGER REPORTING ON MY CREDIT FILE )! I HAVE A TOTAL OF 11 ACCOUNTS THAT ARE REPORTING ON MY EQUIFAX CREDIT FILE!!!!!! I WAS ABLE TO LOG INTO ( MYEQUIFAX.COM ) TODAY ON XXXX AND IT SHOW ALL OF MY PERSONAL INFORMATION, REVOLVING, AND INSTALLMENT LOANS REPORTING ON MY CREDIT FILE. WHEN I CALL INTO THE FRAUD DEPARTMENT OR CUSTOMER SERVICE THEY ARE TELLING ME THAT MY ENTIRE CREDIT FILE HAS BEEN DELETED! THAT NO ACCOUNTS ARE REPORTING AND NON OF THE ACCOUNTS I HAVE HAD ARE REPORTING ON MY CREDIT FILE! I HAVE HAD CREDIT FOR OVER 8 YEARS AND NOW MY CREDIT FILE HAS BEEN WIPED CLEANED! WHAT HAPPENED TO MY EQUIFAX CREDIT FILE? 

I AM ATTACHING MY CURRENT UPDATED CREDIT REPORT THAT IS SHOWING ON ( MYEQUIFAX.COM ) AND ALSO ( XXXX ) SHOWING THAT ALL OF MY ACCOUNTS WHERE DELETED ON TODAY XXXX!!!!!!!!!!!! 

XXXX MY CREDIT FILE NEED TO BE FIXED AND MY ACCOUNTS NEED TO BE BACK REPORTING ON MY CREDIT FILE ASAPI NEED MY EQUIFAX CREDIT FILE TO BE UPDATED, AND MY ACCOUNTS THAT ARE SHOWING ON MY CREDIT FILE TO BE ADDED BACK ASAP! PLEASE ADD & RE-INSERT THESE ACCOUNTS BACK TO MY CREDIT FILE ASAP!!!!!!!!!!!!! 
***************************ATTENTION*************************** I AM ATTACHING MY CURRENT EQUIFAX CREDIT REPORT AND XXXX XXXX REPORT TO THIS FAX TO SHOW THE ACCOUNTS THAT WHERE REPORTING AND YOUR DEPARTMENT REMOVING THEM OFF OF MY CREDIT FILE! ADD MY 11 ACCOUNTS BACK TO MY CREDIT FILE ASAP!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

PLEASE INVESTIGATE THIS ISSUE IN A TIMELY MANNNER, AND PROVIDE ME WITH A WRITTEN RESPONSE. I HOPE THAT YOU TAKE IN CONSIDERATION MY CONCERNS REGARDING THIS MATTER, AND I HOPE TO BE HEARING FROM YOU IN THE NEAR FUTURE.

Company response to consumer: Closed with explanation