vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I requested my Clarity Consumer Report and file and received the file in XX/XX/2021. 
I wrote a letter to dispute the consumer report mailed XX/XX/2021 as it had inaccurate information and violated my privacy. I received a letter dated XX/XX/2021 in response to my dispute saying that the information was deleted or corrected and a revised copy of my credit report was enclosed. the only enclosure was the Alabama Code, summary of my rights, and remedy for identity theft which lead me to believe that the report was deleted in its entirety. On XX/XX/2021 I receive another letter saying that the information was deleted or updated and that no action was taken on my disputed accounts because it was determined to be frivolous and that i clearly needed to identify why the information in my file was inaccurate. My file was attached to this letter unchanged along with the previously listed attachments. I never gave Clarity Services my express written permission to share my personal information or banking information. the information contained in this report violates 15 USC1681b, as well as 12 USC 3403 just to name a few.

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 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Social Finance, Inc.
State: FL

Complaint narrative:
my mom was resaving money from ssa and I didn't find out until XXXX or late XXXX when they call me by mistake they sent me 3 or 4 check i dint know what it was for I didn't ask because I need the money at the time for me and my baby girl so i had it switched to my boyfriend name four months later i get a call saying to come in to the office they mail me a later with the address and everything on it so I went and they said that they was going to stop sending the money and that it had to be paid back so i was thinking that the three or four check had to be paid back but they told us in a latter that it was XXXX and i never resaved all that money I was living with my god father and mother when all of this had accord and after i got done with school i went to live in Kentucky in late XXXX early XXXX came back got my own places and got a job now i have XXXX kids and it had to try to save money for my kids and get them the stuff that they need when this money didn't all come to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Harris & Harris, Ltd.
State: PA

Complaint narrative:
THIS IS A REQUEST OF VALIDATION. THIS COMPANY HAS YET TO RESPOND TO MY PREVIOUS ATTEMPTS TO PROVIDE A CONTRACT SIGNED BY ME BETWEEN THEM AND I. NO DEBT CAN BE COLLECTED WITHOUT THE PROPER STEPS BEING MADE. PLEASE SE FCRA SECTION 609 ( A ) 1 a

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX and Equifax have consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with XXXX, XXXX and Equifax and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws XXXX, XXXX and Equifax has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise XXXX, XXXX and Equifax to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. XXXX, XXXX and Equifax should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report. Once their reinvestigation is complete, I would like for XXXX, XXXX and Equifax to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: GA

Complaint narrative:
XXXX, Experian and XXXX have consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with XXXX, Experian and XXXX and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws XXXX, Experian and XXXX has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise XXXX, Experian and XXXX to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. XXXX, Experian and XXXX should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report. Once their reinvestigation is complete, I would like for XXXX, Experian and XXXX to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41. 

Creditor : XXXX 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 2021-10-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I HAVE SUBMITTED COUNTLESS DISPUTES REGARDING FRAUDULENT AND INACCURATE INFORMATION. 

USAA SAVINGS BANK XXXX, I WAS NEVER LATE, I AM DEMANDING THAT THIS LATE PAYMENT IS REMOVED IMMEDIATLEY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Received a call from XXXX ( XXXX ) XXXX, associated with the student loan company Nelnet. Company has received numerous reports and complaints. I did not get a voicemail but I have not taken out any loans with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blackstad, Hrabe, Kirlorsky, LLC
State: AZ

Complaint narrative:
I received a message from my employer stating they received a very rude phone call from someone asking about me. I called the number back, and XXXX was insinuating that she would take actions to involuntarily collect the supposed debt I owed. She said that she has verified my employment and that her client has retained an attorney. I am not aware of any of this, as I have not received a written notice of the debt or the collection attempt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Since system merger between Suntrust and Truist, the new bank will not let me make my mortgage payment from a non truist account. I had to put the payment on my truist credit card, incurring a {$45.00} cash advance fee. When trying to make a payment from a non truist account the system says I need to be rerouted to Mortgage Servicing Platform. It never reroutes me. Further, MSP is an industry software package that is not user friendly in the least. Truist is making it impossible to pay my mortgage on time without incurring a significant fee.

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 2021-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: PNC Bank N.A.
State: NC

Complaint narrative:
XXXX of XXXX XXXX is not ethical and maybe even more egregious ( and possibly illegal ) in their accounting and sales practices. On XX/XX/21 I bought out my car lease and came in with a pre-approval from XXXX XXXX. XXXX who did my paperwork was told specifically that I wanted to bank with XXXX XXXX. He kept pushing PNC, yet I refused. Unbeknownst me my car loan is with PNC. 

After several attempts to get answers from XXXX, I speak to his superior XXXX XXXX who confirms my loan is with XXXX XXXX. He said he would speak with XXXX and call me back -- that was a week ago. Finally I get XXXX back on the phone today -- and he tells me that they mailed my paperwork to the wrong bank! How is this possible? You can clearly see that in the photo below that I agreed to bank with XXXX  XXXX NOT PNC. 
XXXX did not apologize, he was rather obtuse, nor did he offer any way to fixed the mess he created. He told me I was stuck with the loan although I did not agree to lending with this bank. I tried to speak with someone above him, and not only did I get their voicemails, but the receptionist also stopped picking up the phone ( I called from another line and she picked up ). 

How does PNC process my paperwork when it has another bank 's name on it??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: NJ

Complaint narrative:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. This has been a huge inconvenience and is causing a lot of burden to my personal financial situation.

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 2021-10-19 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: NJ

Complaint narrative:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. This has been a huge inconvenience and is causing a lot of burden to my personal financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank credit services I paid my bike loan and they are not sending me title I called them so many times they we only sent you lien satisfied notarized paper you have to take it to DMV for actual title but DMV wants bank to send title directly to them but Citibank is not helping me in this regard please help me resolved this matter My number 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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been a victim of identity theft. And I also have a alert on my credit report to contact me when applying for credit to make sure it's me. And I have contacted the berues to ask why I'm never called and they said they do not have to call so what's the point of having it. I have no knowledge of none of these inquiries on my report with TransUnion I have wrote in and ask them to be removed and never heard back from them. I would like for all these to be removed immediately thank you. They are Fraudulent each and every one

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 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Comerica
State: CA

Complaint narrative:
XX/XX/2021 Dear sir or madam : The name of the company that I am complaining about is : Direct Express Debit Card ; which is the company connected to the Social Security Administration for disbursing money to its beneficiaries '. This company I believe first thefts large amounts of money from the persons account, and then escapes discussion of these problems by keeping prolonged and tiresome telephone menus and especially, computer systems with impossible log on problems. The simple fact of the matter here is that persons become frustrated and give up trying to get to the result of their problem thus leaving them with the stolen money. 

Telephone conversation is not a substitute for a printable statement - persons need time to cross match information and go to other places to verify what is claimed by the company. They ( Direct Express ) knows that this can not be done by telephone interview. Actually I am not at all able to log on to my account as their inadequate electronic system is such rubbish that a person that follows all of the steps for logging on as they are supposed to, is still unable to be able to do so, from any computer. As if a person is dialing a wrong number and getting only a busy signal, but does not know that he was given a wrong number. 

Please help me to get this company in line. 

Thank you. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hello i have disputed by mail and by phone also online with Transunion about a public record on my report chapter XXXX Bankruptcy. They have stated that they verify though XXXX XXXX  so i disputed through XXXX XXXX and they removed it yet Transunion say they are still veryfying through XXXX XXXX spoke with Transunion and they said the courts do not report to them. I want this removed!

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 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have spoken to five people at their offices who it appears cant handle anything. 

The account that was opened in my name is fraudulent. 

XXXX Received first bill From Citizens One XX/XX/21 - Received notice unable to approve application XX/XX/21 - Received second notice of past due payment XX/XX/21 - Went to Citizen Bank in XXXX NY Spoke to bank employee, she did mention this was the second one she had seen. I showed her all the paperwork I had received for this issue and she immediately called her home office and put me in touch with someone to discuss issue. This person transferred me to their fraud department. Spoke to a person there about what they will do. They wrote up a ticket, XXXX and stated I should contact the three credit bureaus about this issue, which I did. She told me I would be mailed some paperwork to fill out, I have never received it. She then stated I did not have to take any further action. 

Now I am receiving automated late payment calls. Ten calls to date. 

On XX/XX/21 I received another collection message and after being on hold for 30 minutes I called the number that was at the end of the collection message. I have the recordings of everyone I have talked to. I called that number and was on hold for 20 minutes. Someone finally answered and I was asked why I called this number. She looked at the fraudulent account that was set up in my name and did see a note that I had called about it being a fraud. She transferred me to another number, Im assuming it was their fraud department again. This person told me the paperwork was sent a week ago, I stated I have not received it. She then asked me if they could email it to me. I gave them my email address. I asked for the calls to stop and was told these are Auto generated calls, well heres a novel idea, get on your computer and stop it! 

I called again on XXXX and was told they would send me the paperwork via email, again. 

XX/XX/21 Have not received the email or mail for the paperwork they were to send me. 

I do not want this to get to my credit reports. 

I have made contact with XXXX with the account number and asked if they could tell me where the items were sent. They emailed back and said i need to get a police report. Going to work on that. Citizen One could have done the same thing if they contacted XXXX. 

I have also notified the three credit agencies. 

No one has followed through at Citizens One.

Company response to consumer: Closed with explanation