vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
XX/XX/21 - Bill pay used to pay Best Buy Credit Card. Payment = {$2000.00}. Overpaid by {$1600.00} causing credit balance. 
XX/XX/21 - Called and requested a refund of credit balance. I was advised it would be processed within 7-10 days. 
XX/XX/21 - Received letter dated XX/XX/21. Letter stated " name on the payment for {$2000.00} does not match the primary or authorized user on the account ... .we need you to provide us with the name that appears on this payment. '' XX/XX/21 - Called customer service and verified the name of my wife, whom I hold the joint checking account used for the bill payment. Customer service advised refund would be processed within 7-10 days. 
XX/XX/21 - Received letter dated XX/XX/21. Letter stated " we need to speak with you at your earliest convenience. Additional information is required. '' XX/XX/21 - Called customer service and verified my wifes name again, checking account number and routing number used for bill payment. I was advised refund of credit balance would be processed within 7-10 days. 
XX/XX/21 - Called customer service to check status. After escalating call to an " Account Manager '', I was advised the refund could not be processed because I was not named on the bill payment. Possibly need a copy of my banks ACH transmittal ( front and back ). When I questioned the possibility of my bank providing this, I was told perhaps a voided check showing both of our names on the payment account would work, and to shorten the timeline, I could file a transaction dispute online to submit documents of proof electronically through their website. 
XX/XX/21 - Filed transaction dispute online and attached voided check, which included account and routing numbers for bill pay, as well as my and my wifes names on check. Also, I attached screenshots ( from online banking used to pay the bill ) that showed the bill pay details, amount, date, and standard electronic transfer confirmation number. 
XX/XX/21 - Checked online for status of transaction dispute. Complaint was " closed '' and asked for " proof of payment such as a copy of other credit card statement or check/money order [ both sides ] used for payment. Include your name and Account Number on the documents. '' My Best Buy Credit Card - From Citi continues to ask for name and account information from the bill payment. I have provided it at every request only to be denied a refund for the same reasons. I am not sure what else to do from here and need some help. 

Thank you, 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 2021-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northwood Asset Management Group
State: AZ

Complaint narrative:
I received an email from NAM Group on XX/XX/XXXX regarding a debt to XXXX XXXX. I typed up a letter for verification of the original debt ( attached is a copy of the letter ). I mailed it via USPS on XX/XX/XXXX ( XX/XX/XXXX there was no mail due to the holiday ). I did not receive anything back. Collection calls ceased and then resumed this week. Ms. XXXX at telephone number XXXX left a voicemail again this morning. I called back and informed her that I sent the verification of the debt letter and did not receive anything back, so I was not comfortable speaking further on arrangements until I received it. She placed me on hold for about three minutes and during that time I received an email from NAM again. It was the same letter I had received back in XXXX, just outlining NAM 's intentions, the creditor, and the amount, but was still not a verification of the original debt in any way. 

Ms. XXXX came back on the phone and stated she sent me the verification letter. I explained the above, that it was the same letter and not a verification of the original debt. Ms. XXXX became very upset and said that she was calling to offer me payment arrangements and that " You took out a loan, you know what you owe, we don't need to prove it ''. I explained I have rights to verify the debt, and did so in writing by requesting several documents to do so. She cut me off and said she would not/could provide me verification of the debt and then said " There is nothing I can do for you then. I am closing your account and writing that you are a refusal to pay. '' She then hung up on me before I could do anything further. 

Not only was what she did falsifying records on my account ( as I never stated I was refusing to pay, nor did I ask her to close my account ), she also was refusing to provide what is mandated legally under CFPB ( a verification of debt ). She also made threats by stating there was nothing further to be done, that my account would be closed, and that I would have a demarcation of " refusal to pay '', which I came to find out was not true after speaking with another agent. This was an array of violations by refusing to provide verification of debt, making false statements, threatening negative action on my account, making threats that are not true. 

I have attached the original email from XX/XX/XXXX, the email Ms. XXXX sent me that she stated was verification of debt, the copy of my letter sent XX/XX/XXXX, and the email sent to NAM 's general email box today after my interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: CT

Complaint narrative:
XXXX XXXX has reported to Equifax on my consumer credit report that the date of first delinquency is XX/XX/2014 which is in fact a complete willful misrepresentation of the facts in a dubious attempt to keep reporting this debt on my consumer credit report beyond the 7 years which US Federal Law allows. This was intentionally orchestrated in conjunction with Equifax who had a responsibility to conduct a reasonable investigation including looking at my credit file on record to realize that the same company has reported conflicting dates previously.

The True date of first Delinquency on this account is XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: U.S. BANCORP
State: NC

Complaint narrative:
US Bank reported that my XXXX payment was never made and in fact showed 60 days late when the car was paid off by XXXX XXXX and I have supporting documents from XXXX XXXX to show the payoff. If XXXX XXXX failed to payoff the vehicle to US BANK that isn't my fault ; and I was told by US BANK in XXXX this would be handled. This now is still on my credit report and has now caused me to delay my home closing which I'm incredibly annoyed by. I would like this removed immediately.

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 2021-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filling a complaint because I sent a letter to Capital One to Validate a debt owed on a use XXXX XXXX XXXX and they did not validate the debt I owed and then repossessed my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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 filing this complaint to address fraudulent or erroneous information reported to my credit. I am aware of being impacted of several breaches however, I am unaware of who may have compromised my information. The way the accounts are reported and the timeline of event do not reflect my proven financial behavior patterns and I have tried to dispute and file an identity theft report, these accounts were not opened by me and I am seeking a correction. I am running out of patience, I've been trying to get these accounts removed for months now. On XXXX I filed the identity theft report in which I outlined those accounts that I do not recognize ; XXXX  XXXX XXXX {$6300.00}, XXXX XXXXXXXX {$2900.00}, XXXX XXXX {$2600.00}, XXXX XXXX XXXXXXXX XXXX {$2500.00}, XXXX XXXX  XXXX {$0.00}. I have also tried to resolve these issues on my own however, as the consumer and the victim I have found the companies and reporters involved to be unreasonable and nonchalant when it comes to investigating. I am hoping that this complaint will address these issues and remove these fraudulent accounts.

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 2021-08-05 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: FL

Complaint narrative:
I am filing this complaint to address fraudulent or erroneous information reported to my credit. I am aware of being impacted of several breaches however, I am unaware of who may have compromised my information. The way the accounts are reported and the timeline of event do not reflect my proven financial behavior patterns and I have tried to dispute and file an identity theft report, these accounts were not opened by me and I am seeking a correction. I am running out of patience, I've been trying to get these accounts removed for months now. On XXXX I filed the identity theft report in which I outlined those accounts that I do not recognize ; XXXX  XXXX XXXX {$6300.00}, XXXX  XXXX {$2900.00}, XXXX XXXX {$2600.00}, XXXX  XXXX XXXX XXXX {$2500.00}, XXXX XXXX  XXXX {$0.00}. I have also tried to resolve these issues on my own however, as the consumer and the victim I have found the companies and reporters involved to be unreasonable and nonchalant when it comes to investigating. I am hoping that this complaint will address these issues and remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Statebridge Company
State: AZ

Complaint narrative:
I found that Statebridge Company reported a discharged debt as late on my credit report ( post discharge ). Statebridge no longer owns my second mortgage, they sold it I believe in XXXX of XXXX. 

To boot Statebridge Company refused to take my payments and refused to communicate with not one, but two law firms. I have a recorded call on XXXX XXXX ( provided to my attorney ) and attempted contact logs from two law firms reflecting Statebridge Companies refusal to communicate and or take payment. Ironically the payments that were reported as late were XXXX, XXXX, XXXX and XXXX of XXXX ( after my payment/s were refused and a complete lack of response/communication from Statebridge Company to either myself or my attorneys ). 

I did call XX/XX/XXXX @ XXXX requesting this concern be resolved. I was told XXXX XXXX or management would be returning my call the following day, I received no return call ( in typical fashion ). I can provide the recorded call if you would like. 

I did call again XX/XX/XXXX @ XXXX, again requesting this concern be resolved. I was told XXXX XXXX would return my call, I have yet to receive a return call. I did ask to speak with his supervisor, I was told he was the only one I could speak with. I can provide that recorded call as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
Law Offices of MBA has put a collection on my credit report from XXXX XXXX XXXX XXXX in XXXX of XXXX. I went to the emergency room in XXXX and my bill was paid in full with my insurance. I never received a single bill after I paid. I am in the XXXX  and have good insurance ( XXXX  ). There is no reason I should have a {$2300.00} collection when the hospital was in network, had my insurance, and I already paid the bill. I never even got anything in the mail regarding this collection, it just popped up on my credit report. I am unable to get anyone on the phone from either of these companies. If you look at XXXX reviews law office of mba, it is littered with people with the same complaints as myself. They are doing this to a lot of people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been scammed for 2 months and I went through different kind of fraud transactions. This is wire-transfer transaction which was the last fraud one XX/XX/2021 WIRE TYPE : WIRE OUT DATE:XXXX XXXX ET XXXX SERVICE REF:XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ID XXXX XXXX PMT DET : XXXX XXXX XXXX. Amount : {$20.00}

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 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I did not do these i queries and would like them off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I am refinancing my current mortgage. My current mortgage company is Midland Mortgage. The refinancing company is requiring that I obtain a forbearance agreement from Midland mortgage. I am no longer in forbearance but the refinancing company is requiring this agreement even though I am no longer in forbearance. My complaint is with Midland Mortgage. I have been asking for this agreement to be sent to the refinancing company and nothing happens. I have been asking for the last three weeks. I have called them six times requesting this agreement. Their answers range from, they are not able to email, only fax or mail, they told me it takes two to three days to fax and a week to mail. The third time I called they said they dont email. The fourth time they said they can email but in three days. The fifth time they said they can put a rush on it. It has been a week since then and still no agreement. I am beginning to think they are doing this on purpose. In this day and age, how can it take this long to get something sent? I can not refinance with out this agreement so that it the only thing keeping me from a better interest rate and better monthly payments. Please help 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 2021-08-05 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, I want to delete information that's currently on my file. This information is identity theft, and I did not make these charges stated on my credit report. I beg of you to deleted these incorrect items off my report. i reported the theft of my identity to the Federal Trade Commission and i also included copies of the Federal Trade Commission 's Identity Theft Affidavit. i appreciate if you deleted these items as soon as possible. I am trying to relocate to another state because the state that i am in Covid 19 cases are sky high. This identity theft is stopping me from doing so.

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 2021-08-05 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, I want to delete information that's currently on my file. This information is identity theft, and I did not make these charges stated on my credit report. I beg of you to deleted these incorrect items off my report. i reported the theft of my identity to the Federal Trade Commission and i also included copies of the Federal Trade Commission 's Identity Theft Affidavit. i appreciate if you deleted these items as soon as possible. I am trying to relocate to another state because the state that i am in Covid 19 cases are sky high. This identity theft is stopping me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX JUST MOVE XXXX XXXX and I do not have a contract with ALDOUS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$220.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Investment Retrievers, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with INVS RETR plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: PA

Complaint narrative:
3 accounts for XXXX XXXX XXXX ( XXXX ) appeared on Transunion credit report ... .I have never had this service ... .I have contacted Transunion twice as well as XXXX via mail and fax ... ... I have yet to hear back from XXXX ... how is Transunion verifying these accts? If they are not responding to me they are not responding to Transunion either ... there has yet to be a comment added that these accounts are in dispute on my report ... I am 100 % sure that they are not conducting proper investigations as required by law

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 2021-08-05 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Im seeking my remedy from Santander Consumer Use pursuant to 15 usc 1681n ( a ) ( 1 ) ( b ) since this inquiry has been removed and they are guilty of their fraudulent acts.

( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: MoneyLion Inc.
State: PA

Complaint narrative:
For the 4th straight month MoneyLion has inaccurately reported my account as late to all three credit bureaus ( XXXX  XXXX  XXXX  ) each month a investigation is launched and is found that MoneyLion has yet again reported inaccurate information ( and each time they admit and apologize for the inaccurate information ) but this time they have decided that they were going to report the month of XXXX as late even though that it was NEVER late and was never reported as late until XXXX ( again was already reported as paid on time and current to credit bureaus until XXXX ) this is VERY inaccurate as I have never missed a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY PREVIOUS ADDRESS INFORMATION WHICH IS TOTALLY WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
I applied for loan for an engagement ring. The store uses Synchrony Bank. They indicated my score was XXXX. However, there is no mentioning of which Credit Bureau this info was gathered from. I monitor my credit closely and though not XXXX I am all but sure my bank, XXXX XXXX, and XXXX  can't be XXXX points off. While operating as XXXX XXXX XXXX, the company had engaged in deceptive and discriminatory credit card practices. I want the inquiry removed and any of my personal information removed from there data base.

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