vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 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: OH

Complaint narrative:
The information that has been on my credit report doesn't belong to me and has been hindering me from gaining a better credit file going forward. The account listed is fraudulent and I don't have a hand written signature with the reporting company, therefore it needs to be remove immediately from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. The late payment dates are as follows : XX/XX/2020 and XX/XX/2020

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 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: SC

Complaint narrative:
Enhanced Recovery Company is trying to collect a debt on behalf of XXXX for the amount of {$1300.00}. It's reporting on all three of my credit reports as a collection account. Account # XXXX. They verified the account but has yet to send me proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent of such proof, they must correct any erroneous reports of this past debt as mine. They have threatening me over the phone using abusive language which is a violation of the FDCPA. 

I have writing Enhanced Recovery to request that they please provide the following information : 1. Please provide evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is their authorization of law for your collection of information? 
3. What is their authorization of law for your collection of this alleged debt? 
4. Please evidence their authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
They have yet provided this information which is in violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: OH

Complaint narrative:
In the past, I had subscribed to the local news paper. I cancelled this subscription in writing, via email, pursuant to the requirements laid out in the card holder agreement in early XX/XX/XXXX but the merchant never stopped charging my Citi Bank credit card every month. 

I've filed disputes each month, have called the bank over 10x, and provided the emails I sent the merchant to cancel at least 15x via email to the bank. There are now 6 disputed transactions ( XXXX through XX/XX/XXXX ), and 3 have been resolved in my favor, but the bank somehow found against me- in conflict with the facts proven by my supporting documentation AND 3 other findings in absolutely identical situations on one of the other months and are STILL investigating 2 others. 

On the XXXX, XXXX, and XXXX charges that I'm disputing from this merchant for cancelled services, Citi has closed the disputes, and refunded the money. Somehow for XXXX, they found in favor of the merchant ( in contradiction of their findings in the other months which contained the exact same facts ) and they are still somehow investigating XXXX ( by have closed XXXX? Makes no sense ) and now XXXX as of another charge that Citi let go through, which I disputed today. 

I've called 2x to have a new card issued as well, and was told it " was not necessary. '' Please help! I'm tired of doing everything I'm suppose to do in this situation and the bank refusing to process the identical disputes properly, apply credits, stop the merchant from making the charges, and reissue the card.

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 2021-05-18 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I was charged excess interest on my card. I was charged full interest even though I made a payment. First it was confusing what amount needed to be paid to avoid interest ( other credit cards are very transparent about this ) and then I was charged full deferred interest even though I made a payment of XXXX, which is incorrect. Please remove interest charges on my account 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 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: NC

Complaint narrative:
On XXXX and XXXX, a vehicle owned by my wife and I with License plate number XXXX, traveled through the XXXX XXXX XXXX ( XXXX ). XXXX utilized license plate recognition to capture the license plate information. The original amount of the tolls was {$11.00} However, XXXX proceeded to send the statement of activity and all related correspondence about the account to an address not affiliated with the vehicle registration at the time. The vehicle was registered at XXXX XXXX XXXX, XXXX XXXX, PA XXXX. XXXX 's correspondence was sent to XXXX XXXX XXXX, XXXX XXXX, PA XXXX. As such we never received any notice about the alleged debt. 

Instead, XXXX sold the debt to Linebarger, Goggan, Blair & Sampson, LLP XXXX XXXX XXXX XXXX, XXXX, TX XXXX ), fraudulently adding additional late fees in the amount of {$75.00} for a bill that they never notified us about. In XXXX, XXXX, A " Notice of Debt '' was received from. Linebarger Goggan Blair & Sampson, LLP - ATTORNEYS AT LAW threatening legal action over the debt. XXXX  ' ( refused to give last name ) answered a inquiry phone call about the account and rudely refused to give any additional information until I started asking for supervisors. She then proceeded to give a different address where disputes needed to be sent. 

A dispute letter was sent on XX/XX/XXXX disputing the debt based on 1 ) lack of evidence of initial charge ; 2 XXXX failure to provide 'chain of debt ownership ', and 3 ) the fact that we were never notified of the original debt ( including a copy of our vehicle registration showing the current address ). Linebarger was given 30 days to respond. 

In XXXX, XXXX XXXX 6 months later ), a packet was received from Linebarger with copies of the XXXX correspondence, all of which proved that the correspondence had been sent to the wrong address. and failing to provide the information requested and again threatening legal action. Calls to the number ( s ) provided have been met with a dizzying array of voicemails, misdirection, and outright lies ; all of which have failed to produce an answer to our queries. 

XXXX has refused to speak about the issue as they have already referred it to collections. 

To date, Linebarger has utilized the following addresses to hide their location : - XXXX XXXX XXXX, XXXX XXXX, XXXX VA XXXX - XXXX XXXX XXXX, XXXX XXXX, TX XXXX - XXXX XXXX XXXX, XXXX XXXX, TX XXXX - XXXX XXXX  XXXX, XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
National Credit Adjusters , LLC is attempting to collect a debt that does not belong to me. They sent me multiple letters including the attached notice on XX/XX/2021. I've attempted to resolve this by contacting the company requesting validation of this alleged debt. I sent out correspondence via USPS mail on XX/XX/2021. I also faxed this corresponsence on XX/XX/2021 at XXXX. ( See attached fax confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from National Credit Adjusters , LLC. As far as I know, this has not been reported to any of the credit bureaus but I'd like them to cease all collection efforts and assure me that this will not be reported to the credit bureaus as this alleged debt does not belong to me. I am requesting legal action to terminate this account immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: AZ

Complaint narrative:
Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed. This is a clear violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received an email from Wells Fargo saying that a credit card I did not order had been shipped to an address I didnt recognize. I was able to call Wells Fargo and cancel the card before any charges were applied. They informed me that someone was able to add themselves to my account. The fraudulant name and address to receive this card is : XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX, KY My hope is that you'll be able to stop this person from attempting this in the future.

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 2021-05-18 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: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: AL

Complaint narrative:
I have tried to dispute via XXXX this account during XX/XX/2021 when I noticed this on my credit report due to identity theft along with a few other accounts. This company has still continued to call, send letters, and made attempts to collect debt on this account that I did not open. This is very frustrating as well this is allowing my credit score to not thrive property as it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX and Experian are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX XXXX - XXXX and XXXX ; XXXX - XXXX ; XXXX - XXXX XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX and XXXX ; XXXX XXXX XXXX ; XXXX XXXX - XXXX ; XXXX ; XXXX ; XXXX ; and XXXX ; XXXX XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On the evening of XX/XX/21 I received an email from Citi that they had closed my credit card account. I've had this account with them for over 20 years and have never had a late payment. I called first thing the next morning and was told that they closed the account due to lack of activity. I explained that with the recent pandemic I didn't have the need to charge anything to the card since we weren't going out. I also asked them why they hadn't sent me a notice prior letting me know ( they seem to have no problems sending out marketing material constantly to me via email ), OR why they didn't let me know that this was a possibility when I contacted them several weeks ago in order to change my mailing address - they had no response. I asked that they re-open/reinstate my account during the call. The Citi rep then started a new application on my behalf and explained that it would be reviewed for approval. I explained that I did not want to apply for a new card, but to have my account re-opened/reinstated. She said going through this new application process was the only way. I spoke with a manager and was told the same thing.

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 2021-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
This Kia XXXX was paid off on XX/XX/2021. We confirmed with Kia Motor Finance on XX/XX/XXXX that the vehicle was paid off and the title would be released. We received a paper lien release in the mail, but the lien was never electronically released with the XXXX. We called for an update on the electronic release on XX/XX/XXXX, and were told it was taken care of and the lien would be lifted in 7-10 days. I called again on XX/XX/XXXX and was told that the payoff had not been " properly allocated '' back in XXXX so it was going to take another 10 business days to release the lien. I called again on XX/XX/XXXX and was told that the payoff was properly allocated and the account was closed, so now the electronic lien would definitely be taken care of. I called again on XX/XX/XXXX and spoke with XXXX who said it was very weird that it hadn't been taken care of yet, but he would escalate it to his supervisor and the lien would be lifted in 3 days. I called again today, XX/XX/XXXX and spoke with XXXX. I was told it still wasn't taken care of and all they can do is escalate it again. I requested to speak with a supervisor, and spoke with someone named XXXX. XXXX told me there is nothing she can do other than keep emailing the title team and asking them to release the lien. I asked for information as to why it hadn't been taken care of yet and I was just told that she didn't know, she didn't have any information, and all she can do is send another email. It has been over 4 months since this title was paid off and all that needs to be done is a click of a button to electronically release the lien.

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 2021-05-18 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: GA

Complaint narrative:
Equifax and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX XXXX - XXXX and XXXX ; XXXX - XXXX ; XXXX - XXXX XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX and XXXX ; XXXX XXXX XXXX ; XXXX XXXX - XXXX ; XXXX ; XXXX ; XXXX ; and XXXX ; XXXX XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
OnXX/XX/XXXX I initiated a bank to bank transfer from my Fifth Third Checking to my checking account with another bank. I initiated this transfer for the full amount in my 5/3 checking, as I needed the funds to cover a bill in the other account. It allowed me to initiated the transfer, and at no part in the process did a detect a disclosure of any fee associated with the transfer. Additionally, I did not even suspect there would be a fee, as there is not a fee for this same service at my other bank. None the less, I reviewed my account on the morning of XX/XX/XXXX and detected that they had withdrawn {$3.00} more than my requested transfer amount, causing my account to become overdrawn. I contacted customer service, explained that nowhere did I detect a clear fee disclosure, that I could have simply made the transfer from the other bank if I had known there was a fee, and/or I could have made my transfer for {$3.00} less in order to cover the fee. I requested Fifth Third to reverse the fee. They said they can not. I requested proof of the fee disclosure during the transfer initiation process. They could not. They provided a PDF copy of the main account disclosures, but could not, or would not provide proof that the fee is disclosed during transfer initiation. This seems deceptive to me, by not clearly and boldly displaying the fee at the time of transfer, in addition to even allowing the overdraft to occur by allowing a transfer which exceeds the total sum of the balance plus the fee. This is not even to mention the poor customer service not to just take care of a {$3.00} misunderstanding.

Company response to consumer: Closed with explanation