vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
An XXXX Credit Card or ( XXXX XXXX XXXX ) customer service representative suprevisor told me over the phone that Indigo ( XXXX XXXX XXXX ) would be willing to delete the XX/XX/XXXX late credit card payment from my credit report however this was not done. I have been a good client of XXXX Credit card ( XXXX XXXX XXXX ) since XXXX of XXXX. This one late payment in XX/XX/XXXX was done in error and I was told it would be removed. I have tried writing letters to the credit bureaus and XXXX Credit Card ( XXXX XXXX XXXX ) but to no avail.

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 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I used the services of Remitly to send {$220.00} dollars to the XXXX XXXX and in the XXXX XXXX XXXX used XXXX XXXX to make a home delivery. 
I received a delivery notification and since I had use Remitly services before without any incident, I believed the funds were delivered. 

The following Month the recipient call me to make sure I send the funds I normally send on a montly basis because he had not receive the Month of XXXX and that landed the recipient in hardship. 

I asked him to contact XXXX XXXX in the XXXX and the very next day he showed up in person ti inquire about the missing delivery and he was told that there such transaction never occurred and that Remitly never send such transfer, I called Remitly Customer Service and remitly contacted XXXX XXXX to inquire about the transfer in question, XXXX XXXX responded to Remitly with a receipt bearing a signature which was not the recipient signature So there you have it, XXXX XXXX told the intended recipient that such transfer never occurred meanwhile, XXXX XXXX acknowledged to Remitly that they received the transaction and produced a bogus receipt claiming they had delivered the funds. 
The next day I asked the intended recipient to go back in possession of proof of the transaction and a copy of the receipt the supplied Remitly with. 

When confronted, someone at XXXX XXXX produced another receipt bearing the recipient legitimate signature, the thing was that such receipt was was for a different amount and sent by someone else on the same date but at a different time which the recipient received. 
For the record, I have a copy of such receipt with the recipient signature and another copy of a produced receipt without the recipient signature but bearing someone else. 
I would also like to state that Remitly Customer Service Representative judging by the noise around the conversation sounded like he was sitting in a bar and was likely speaking from somewhere in XXXX XXXX XXXX. 

Remitly did nothing further to investigate my claim and when presented with the proof all they said was well, XXXX XXXX claims they delivered and there is nothing we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: GA

Complaint narrative:
I have been disputing since XX/XX/XXXX. I sent dispute letters on XX/XX/XXXX as well. I have not received anything from XXXX, XXXX, nor Transunion. They have inaccurate information on my credit report. XXXX, Transunion, and XXXX are also violating my rights under FCRA and not in compliance with the laws. 

The list of accounts that I have not received results from my investigation since XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-03 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: GA

Complaint narrative:
I have been disputing since XX/XX/XXXX. I sent dispute letters on XX/XX/XXXX as well. I have not received anything from XXXX, Experian, nor XXXX. They have inaccurate information on my credit report. XXXX, XXXX, and Experian are also violating my rights under FCRA and not in compliance with the laws. 

The list of accounts that I have not received results from my investigation since XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on XXXX and XXXX Bureaus response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 are the lists of the erroneous accounts reporting on my Credit Report : 1. PORTFOLIO RECOVERY A XXXXX Opened XX/XX/XXXX Balance {$1000.00} ; 2. PORTFOLIO RECOVERY A XXXXX Opened XXXX. XXXX, XXXX XXXX {$2400.00} ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I sent a dispute latter 30 days ago, and still havent received any updates yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; 2. XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; 3. XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 4. XXXX - CARD SERVICE Inquiry Date XXXX. XXXX, XXXX ; 5. XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Wells Fargo Checking Account XXXX Routing XXXX I took action XX/XX/2020 Bank account closed due to my online account being hacked. 
It closed overdrawn but later gotten handled and sent me documents of my account closing out a positive balance.

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 2021-11-03 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I applied for a credit card while vacationing in XXXX XXXX Nevada on XX/XX/2021 I was approved and received my Barclays credit card on XX/XX/2021 at my home address and called to activate it on XX/XX/2021. On XX/XX/2021 I tried to make a purchase with my Barclays credit card and found out that it had fraudulent charges XXXX that I did not authorize put on the card by merchant Wyndham Vacation. I called Barclays to report these fraudulent charges on XX/XX/2021, Barclays closed that credit card and issued me a new Barclays credit card with a credit limit of XXXX, I received the new card XX/XX/2021. I activated the new card on XX/XX/2021, Barclays investigated the fraudulent charges on the old card number and found that it was a fraud and sent me a new balance on the old card of XXXX balance and I received a letter from XXXX XXXX deleting the charges from my credit report. I start using my new Barclays credit card on XX/XX/2021, then on XX/XX/2021 I tried to use my Barclays credit card with the XXXX credit limit and found out that it was over drawn with fraudulent charges that I did not authorize again from the same merchant Wyndham Vacation on XX/XX/2021 Wyndham charged my card XXXX and again a second fraudulent charge on XX/XX/2021 in the amount of XXXX over drawing my credit limit of XXXX for a total of XXXX. I called Barclays to report these fraudulent charges and was told " I had to wait ten days to report these charges because they couldn't see the charges yet. I asked why they could not see the charges and I could see that my card was over drawn with fraudulent charges. XXXX is the person who told me this on XX/XX/2021 at XXXX Id # XXXX, I asked XXXX how was it even possible for Wyndham to fraudulently add charges to my card when I have only XXXX of available credit, but Wyndham was allowed by Barclays to fraudulent charge my credit card XXXX twice on XX/XX/2021 and XXXX for a total of XXXX. Barclays has yet to respond to these fraudulent charges so I called to have the second Barclays credit card closed also.

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 2021-11-03 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I sent in a dispute latter 30 days ago, and still havent received any updates yet.

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 2021-11-03 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I sent in a dispute latter 30 days ago, and still havent received any updates yet.

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 2021-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I found out a few days weeks ago that I had something on my credit when I went to go buy a house. After which I called the company who had it and found out that they did not notify me or give me the proper time to contest or pay it without it impacting my credit report. I reached out to the company in regards to rectifying the situation. I found out that they had an address that I have not lived in since XXXX. Then they said, well we have a XXXX XXXX XXXX I checked with the postmaster and got a list of mail delivered to my XXXX XXXX since XX/XX/XXXX when they reported this to my credit report, the same day they purchased the debt. Found out that it was XXXX on the dollar. After speaking with them I asked them how we can handle this and get it removed. I was never notified of it and was not given the proper opportunity to contest it or pay it. They did not want to comment but did want to make a payment arrangement. I said, well how about I just pay it in full, can we get it removed? They said, if you pay it today we will update the credit reporting agencies immediately to show paid and closed. Then after 30 days of the payment posting, we will remove it. I asked for it in writing, which they sent me a letter just saying they would remove it after 30 days I proceeded to pay the full amount of {$1800.00}. So, after about 5 days they sent one Update to my employer, XXXX, but it does not say closed, it just says XXXX balance and open, and they did not update my other two with either status. Now come to find out they after today XX/XX/XXXX after getting a background check they filed a XXXX XXXX complaint to levy my bank account for the full amount as opposed to the amount they paid for it ( {$140.00} ). ( XXXX ) http : XXXX? XXXX XXXX never provided proper notice for me to be able to defend myself nor did they verify the information and validity before providing the court with this information. NOW, to add to this further, after getting a fully detailed report on my credit report, I found that they falsified the information on my credit report saying I owe them more ( {$1900.00} ) than what they actually bought and made appear like I made a payment. This was to impact my score more than it should have been from the original creditor ( {$1800.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Upgraded Citicard to platinum card. Company never closed account on regular card even after 3 phone calls to fix each time being told account was closed. Account was never closed then had an old recurring charge of {$60.00} and 4-5 months of {$40.00} late fees even though I never received any billing statements. During this time used and paid {$31000.00} on new upgraded account with ebilling and paying off entire balance each months. How can Citicard take my money on one account then never bill me, charge me 2 times charge amount in late fees, then report me to credit bureaus as 90 days late. Complete lack of follow through closing old account by Citicard.

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 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
Not sure why I am having to continuously deal with the fraudulent account and debt form Southwest Credit in XXXX, XXXX XXXX in XXXX, XXXX XXXX in XXXX and Southwest Credit again in XXXX. I have previously provided information to all of the Debt collectors that this account is not mine. I have received correspondence from Company Southwest Credit and contacted them today and they swear that this is the first time that they have ever contacted me??? I informed the Southwest Credit representative that she was not being honest and and that I had previous correspondence in a file. I informed the representative that this account was not mine the result of Identify Theft ( probably from XXXX breach ), which I have been dealing with over the last 2 years, with several accounts opened fraudulently in my name- XXXX XXXX. She became vile and threatened to report this fraudulent debt to the credit bureaus and " destroy my credit ''. Is this even legal?? I am mad right and I am fighting back! 

I say again and will continue to ask that this account be validated, via a signature page and provided to me at my home address. 
I am attaching the previous letter from XXXX XXXX, stating that they were not able to validate the debt and that they would remove this fraudulent account from all credit bureau 's. I want a similar removal letter from South and verification in writing that this fraudulent account will not be reported to the three major credit bureau 's by them and if they have already reported, I want a similar removal letter sent to me within 15 days. If Southwest Group can not validate via a signature page I want this fraudulent account removed and I never want to have to deal with them again. If necessary, I will seek legal council. This account is not mine and was opened in my name fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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:
XX/XX/XXXX - Reviewed credit report on XXXX, XXXX and XXXX and noticed Collections Account entry from Columbia Debt Recovery LLC dba Genesis for amount owed of {$1000.00} XX/XX/XXXX - Initiate dispute via XXXX, XXXX and XXXX and requested for debt validation letter from Columbia Debt Recovery LLC dba Genesis XX/XX/XXXX - Received mail with letter dated XX/XX/XXXX from Columbia Debt Recovery LLC dba Genesis with validation of debt documents for debt with original creditor, XXXX XXXX XX/XX/XXXX through XX/XX/XXXX - Reviewed documents provided and established that debt was not mine for the following reasons 1. XXXX XXXX document provided as part of debt validation was from calendar year XXXX whereas debt owed was from calendar year XXXX 2. Debt owed to XXXX XXXX was indicated to be in XX/XX/XXXX whereas lease agreement with XXXX XXXX had terminated in XXXX/XXXX with all no dues pending Available evidence in my possession includes the following 1. Signed XXXX XXXX document for XXXX with XXXX  XXXX indicating leasing period from XX/XX/XXXX through XX/XX/XXXX 2. XXXX XXXX statement for XX/XX/XXXX indicating my payment of {$1700.00} as full final payment of all dues for XXXX lease term of XX/XX/XXXX through XX/XX/XXXX XX/XX/XXXX - Initiated dispute of Collection Account entry in XXXX credit report via XXXX website and uploaded evidence documents as described above XX/XX/XXXX - Initiated dispute of Collection Account entry in XXXX credit report via XXXX website and uploaded evidence documents as described above XX/XX/XXXX - Initiated dispute of Collection Account entry in XXXX credit report via XXXX website and uploaded evidence documents as described above XX/XX/XXXX - Sent a " Direct Dispute '' letter via certified mail to Columbia Debt Recovery LLC dba Genesis with complete details of erroneous entry in credit report along with evidence documentation as described above XX/XX/XXXX - Received results of dispute from XXXX indicating that " Item has been reported correctly '' I am yet to receive any communication from Columbia Debt Recovery LLC dba Genesis regarding the " direct dispute '' that I sent on XX/XX/XXXX I have provide concrete evidence to show that the debt is not mine and the entry in the credit report is incorrect. I am filing this complaint to ensure that the entry is removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Receivables Management Partners, LLC
State: TX

Complaint narrative:
This company RMP Services LLC is using my information without my permission which is Identity theft. I have never done business with this company before. This company is reporting information on my credit report that is false. I demand they take off this slender to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on JEFFCAPSYS. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the erroneous account reporting on my Credit Report : JEFFCAPSYS - Acct. No. XXXX

Company response to consumer: Closed with explanation