vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Received a " XXXX XXXX  '' Citi credit card ( ending in XXXX ) on XX/XX/XXXX and looked similar to my other Citi " Thank you, card. I didn't apply for it, but due to the similarities to my other card, thought it was being transitioned to this new card instead. I completed the activation via the website, but was prompted to contact the fraud dept at Citi. 
Upon doing so, i began asking questions to the rep about the card and truth coming out that someone had called in from Pennsylvania on XX/XX/XXXX to apply for the card. When questioned if identifying information was requested from the applicant, I was informed that it had not been. This is a new product for CITI, which does concern me that new products are pushed heavier and that my identification was comprised along with credit report run without confirming the identity of the false applicant. 
We left the XXXX long conversation that they would close out the new card and was provided an XXXX for an investigative team that i was to call the next day between XXXX. 
On XX/XX/XXXX at XXXX, i called the number provided of XXXX, which was a fax number. 
Upon calling into CITI, I found out that the new card that i did not apply was never closed out and that an alternate card that I have, CITI Thank you ( ending in XXXX ) was closed out instead. We will now have to wait XXXX days for a team to investigate and approve that request for that card to be reopened, all while the new fraud to be closed out. I have not been made aware whether charges were made on the fraudulent card or not, as no-one was able to answer that question. 
CITI admitted that nowhere during the process of the false applicant calling in on XX/XX/XXXX that the same level of identification questions were asked and that it wasnt a red flag that the new applicants address was somewhere random in XXXX which ive never lived in. 
I have filed a police report and will be uploading the complaint to the credit bureaus. 
I have also been made aware that CITI has no intention on removing the inquiry from the credit bureaus or requesting that it be deleted, as that is my problem, per the rep that i spoke with on XX/XX/XXXX. This level of incompetence is a major burden to me and compromises my financial affairs.

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. We are now in the month of XX/XX/2021 but stil there is no response about the the letters i sent, dated last XXXX XXXX XXXX That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$0.00} XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC
State: CA

Complaint narrative:
I the consumer have tried to dispute accounts that were resulting in IDENTITY THEFT the creditors, XXXX, XXXX, AND XXXX failed to block and remove the accounts according to XXXX XXXX XXXX XXXX XXXX PLEASE remove accounts from consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I the consumer have tried to dispute accounts that were resulting in IDENTITY THEFT the creditors, XXXX, XXXX, AND XXXX failed to block and remove the accounts according to XXXX XXXX XXXX XXXX XXXX PLEASE remove accounts from consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
The Loancare loan servicer has repeatedly " removed '' my application, asked for me to reapply, assigned an alleged " point of contact '' who is unreachable ( XXXX XXXX of contact has only a XXXX number ( and as I write this I have been on hold with Loancare for XXXX XXXX minutes ) and Loancare is now asking for me to resubmit the application. This will be now be the XXXX time that I am applying, since the original application was unceremoniously " removed '' just before XX/XX/2021.

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 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
I XXXX XXXX entered into an agreement with XXXX XXXX XXXX. I do not know who Tromberg Morris Poulin PLLC is. I never spoke to them or have never done any business with them. I do not know how they have my personal information. Tromberg morris poulin PLLC is trying to deceptively coerce me into making a payment on a " debt '' I do not owe. I have been harrased by them now and in the past. I will be making further separate complaints about the past incidents with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Debt Not Owed - No Response even after 30 days of Direct Dispute letter to XXXX XXXX. 

XX/XX/XXXX - Sent a " Direct Dispute '' letter via certified mail to Columbia Debt Recovery LLC dba Genesis. Highlighted that debt validation contains debt from XX/XX/XXXX whereas lease end date was XX/XX/XXXX. Provided following evidence documents. 

XXXX. Signed lease document showing lease ending on XX/XX/XXXX. 
XXXX. Bank statement showing all dues paid through XX/XX/XXXX. 

Direct Dispute letter with evidence sent XX/XX/XXXX. 

No response as of XX/XX/XXXX. 

Past 30 days as legally required. 

Requires immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I ordered a credit card from XXXX XXXXXXXX in 2012 never received the card it was constantly being used and charged and I sent them a police report and they still havent taken it off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I purchased the car in XX/XX/2020 first payment due in XXXX of 2020 However i never received any paperwork with an account number any way to make payment no statement book no monthly statement. I called several times and they could not find my account due to a clerical error in the social security number. I was finally able to get through to resolve the problem in XXXX after calling both the local offices in which they could not do anything as they could not do anything with car loans and the customer service number could not the account. The agent i spoke with in XXXX advise he would waive the XXXX late fees plural fees from my account due to not getting statements and not able to resolve this issue prior. The second late fee which was from XXXX was not waive. Now the company is saying they will not waive it even though their agent advise they would. I have spent many hours trying to resolve this and kinda feel now im owed more than the XXXX late fee to be waives as I make XXXX an hour and have spent hours in trying to get this back on track i pay every month and i pay more than what the amount is due. This fee resurfaces on my XXXX bill increasing my amount due. As i full understand it is just XXXX but for me it is principle of the matter that the agent advise they would waive the fees. I work for a bank and we would waive the fee due to our agent providing misleading information to the cardholder or customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent several letters to the credit bureaus for them to investigate the following accounts for accuracy and validity on the following dates below : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX

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 explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent several letters to the credit bureaus for them to investigate the following accounts for accuracy and validity on the following dates below : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank 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 2021-11-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am trying to get credit from a bank and they can not get the Experian report without approval but they don't provide a phone or any way to establish that approval. The bank noted that this lock was on for a year and was supposed to expire last month, XXXX, 2021. I am not familiar with the lock feature but I believe it is the paid XXXX feature. But I am not a paid subscriber to Experian. I go onto my online account and there are no alerts and no freeze on my Experian account. I have been calling their various phone numbers and they all lead to a message system that directs you to the web site. When asking for an agent the system says there are no specialists available day after day over the last week. So I have a problem that can not be resolved online or over the automated system and there is no way to speak to a person to find out why they are not allowing the bank to get my credit report. Experian is interring with my ability to establish credit.

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint as my right under FCRA XXXX and fair credit and billings act have been violated for these XXXX accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX. I am requesting all XXXX credit bureaus to provide full validation and what give them the right to collect on this account? I have made numerous attempts to resolve this issue by certified mail. There are numerous discrepancies on all XXXX bureaus as I see # of months for all three bureaus report to be different. I DO NOT RECOGNIZE. 
Please provide better explanation and proof so I can timely take care of. Additionally, I see this account as having a charge off so the balance is not accurate. As per FRCA law, all information must be accurate, no errors and verifiable. This is lacking in all three areas. 
Please direct the XXXX bureaus to conduct full investigation into this matter and not to use XXXX party vendors to purchase my information which I have opted out of. If they do, please provide the XXXX party vendors so I may contact them to see why they have violated the release of my personal information without my consent and especially when I have opted out.

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 explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint as my right under FCRA XXXX and fair credit and billings act have been violated for these XXXX accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX. I am requesting all XXXX credit bureaus to provide full validation and what give them the right to collect on this account? I have made numerous attempts to resolve this issue by certified mail. There are numerous discrepancies on all XXXX bureaus as I see # of months for all XXXX bureaus report to be different. I DO NOT RECOGNIZE. 
Please provide better explanation and proof so I can timely take care of. Additionally, I see this account as having a charge off so the balance is not accurate. As per FRCA law, all information must be accurate, no errors and verifiable. This is lacking in all three areas. 
Please direct the XXXX bureaus to conduct full investigation into this matter and not to use XXXX party vendors to purchase my information which I have opted out of. If they do, please provide the XXXX party vendors so I may contact them to see why they have violated the release of my personal information without my consent and especially when I have opted out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery and XXXX funding ( XXXXT ) are reporting collection accounts on my credit even though they were PAID and the aforementioned companies confirmed that these accounts will be deleted in their entirety. Please see the attached mortgage credit report from today still showing the accounts when in reality I was promised that they would be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Neighborhood Assistance Corporation of America ("NACA")
State: CA

Complaint narrative:
NACA rep XXXXXXXX XXXX called me twice at XXXX XXXX within the last 10 days The first time she promised not to do it again. 
I spoke with her supervisor  and recorded the call with her permission Supervisor  XXXX XXXX said XXXX calling me repeatedly at XXXX is not harrassment This also occurred a year ago when I was past due a d I sent multiple request then for the early calls to stop.

Naca reps confuse to harass me for no reason. I am not past due and no one could find a reason for why XXXX called me today

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Securus J Holdings, LLC
State: NY

Complaint narrative:
This had to do with JPay they provide inmates a tablet that allows them to communicate with family, send money watch movies play games and listen to music. They charge you fees in top if that. In they state of New York they tell you this tablet is complementary. I have paid up to XXXX in media alone. The tablets are like the lowest grade of tablet you can find. I have been trying since XXXX to have his tablet replaced. Of course he is an inmate and they transfer him. But it does not take 4 months to get a replacement. I tried to explain to them. There is nothing free with a XXXX dollar tablet. The girls response was well he can always access all his music when he comes home. That would be in XXXX years, not only that the point is to be able to use it now why would he watch them on his tablet when he comes home. We have paid for a service they have not provided. And not only that they never allow you to speak to any one that had a direct answer all they say is it's a process. Four months in. This had to be the worst company. I can not find any information in them and they are just takeing peoples money and acting like it's the states fault. Can some one please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date of inquiry XXXX/XXXX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: AmeriCollect
State: MI

Complaint narrative:
I was reviewing my consumer report and I noticed collection activity from Americollect Inc expressing that I owed a alleged debt of {$350.00}. Believing that this debt was paid in full, I then sent a debt validation to them. On XX/XX/XXXX, I received an letter with an itemized statement that had information from the hospital about myself that I didnt even know. These medical records are a direct violation of HIPPA regulations. I have never signed a HIPPA form authorizing Americollect to have access to this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
I have received a response from Selene regarding the CFPB XXXXase numberXXXXAccount # XXXX. Property addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX 
I spoke to XXXX XXXX XXXX  # XXXX to XXXX on XX/XX/XXXX, I was told that I could stay in forbearance until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke to XXXX, and he stated forbearance ended the end of XX/XX/XXXX. 
On XX/XX/XXXX, XXXX stated forbearance ended XXXX XXXX. 
OnXXXX I sent emails, about starting payment and discussed the deferment option for payment of forbearance monies. 
As Selene stated, they believed erroneously that forbearance ended the end of XXXX, and have put a scenario around that saying I did not make payment in XXXX. I can start making payment to Selene now and do the deferment plan in which the forbearance balance can be put to the end of the loan. 
I am asking that they correct their records to reflect the above documentation, and we can go on from there with a monthly payment of {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX and LVNV funding ( RESURGENT ) are reporting collection accounts on my credit even though they were PAID and the aforementioned companies confirmed that these accounts will be deleted in their entirety. Please see the attached mortgage credit report from today still showing the accounts when in reality I was promised that they would be removed

Company response to consumer: Closed with explanation