vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX. ) Experian, XXXX and XXXX refuse to remove fraudulent accounts from my credit profile in which is a result of identity theft. 

XXXX. ) Their claims are without facts and they make statements such as the creditor certified the information. 

XXXX. ) Upon my request to to review the certification documents that the creditor certified all credit reporting agencies denied my access to review the file. 

XXXX. ) a creditor must not certify its claims ; it must verify its claims and alleged debts in which XXXX has not verified its alleged debt, there is no original contract between I and XXXX and I have never lived at XXXX XXXX XXXX XXXX XXXX ; XXXX Florida XXXX. 

XXXX. ) therefore no debt can be verified and must be removed and I am no longer to be harassed by XXXX over debt that is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Revco Management, LLC
State: MD

Complaint narrative:
I received a notification from XXXX XXXX about new collection added to my account I viewed my XXXX XXXX report and seen a collection company I had no knowledge of I disputed this collection account several times having no knowledge of this account or ever having service with the collection company and was told company has contacted me and spoke with me and I agreed to pay which is false and incorrect information I never received anything from this company or spoken with anyone the it was multiple attempts to illegally garnish my social security account without informing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 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 — Investigation took more than 30 days
Company: DISCOVER BANK
State: IL

Complaint narrative:
I contacted my Student Loan provider in XX/XX/2021. My account at the time was current. My hours at work had recently been cut due to them needing to cut back some hours because business was slow due to the Covid Pandemic. The customer service agent I spoke to said they would be happy to assist me and it just so happened that Discover Student Loans had some temporary repayment options. I was told since my account was current i qualified to keep my account current even if i deferred the payment. I was happy. I started paying my loans back as agreed. But then I find out discover had reported my account delinquent when I thought we had an agreement. Now my credit score has dropped a significant amount. When I called Discover Student Loans to bring up this issue they said they had no record of said call. That they would have to look back and listen to the call and even then it wasn't a for sure because the call might have been deleted from their server. All they said was that they would talk to the employee but that I was basically XXXX out of luck and that was that. All they tell me is to dispute their claims. Its not fair that they tell the customers they will help when they actually don't. Now I'm suffering with negative remarks on my credit report and wont be able to buy the house I wanted to because this employee gave misleading information or just didn't care enough to adjust my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX at around XXXX I received a fraud alert text from Citibank asking me if Id attempted 2 transactions with XXXX, each over {$2000.00}. I immediately replied NO. I then went to check my account online and saw 3 pending charges, the 2 I just mentioned and a small charge for {$.00} which is how fraud usually occurs by initially trying to deduct a small amount first. I immediately called Citi Fraud department. I was put on hold for over an hour and then finally spoke with someone who barely spoke XXXX. They told me that since the charges were pending they would not go through since they were unauthorized. Nonetheless on XX/XX/XXXX, the charges were posted against my account! Citi was completely negligent in allowing this. I called the fraud department again. I was put on an hour hold again. When I finally got through I was told by the agent that they would be opening an investigation and that I could not get my money back until that was completed. They said theyd be sending me forms by mail to fill out attesting that these charges were not mine nor made by anyone using my card. My card was in my wallet at the time I got the initial text so I knew that was not the case. Days go by, I receive not one shred of paper regarding a so-called investigation. I call the fraud department again. They transfer me to the dispute department. They tell me that within 10 business days I should get a provisional credit pending the investigation?! A few days later I do in fact get a credit back in my account for one of the 2 unauthorized transactions. However, not a word about the second one and still no mail from Citibank regarding any investigation. I call every day asking for the status. Im given 10 answers by 10 different people. I repeat my story over and over again from the start as if they have no record of any of it. It is XX/XX/XXXX today and Im still out over {$2000.00} due to Citibanks complete incompetence and lack of following my instructions that these were UNAUTHORIZED transactions. I am at a loss as to what to do next. Citibank is not taking care of this under any time line. It is illegal to take money from my account without my permission. Yet that is exactly what they have done.

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 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
This is great after complaining about there credit card billing they retaliated against did search on my accounts then said some were wrong they said I was getting free stuff earlier they moved my savings to checking said I had to then started charging me {$12.00} a month on wifes account I just killed the account could not afford the {$12.00} per month and all there stupid rules this was strictly vengeance for me questioning there billing practice on charge cards its amazing how they treat customers with fees when there borrowing my tax dollars at next to nothing charges

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: DE

Complaint narrative:
XXXX and Transunion are actively reporting incorrect information. Both credit reporting bureaus are reporting that I was late on my XXXX payment for XXXX XXXX account # XXXX. The payment was due XX/XX/2021, And according to XXXX XXXX, they received payment on XX/XX/2021. I written and notified both bureaus multiple times. Transunion fixed the discrepancy and the again posted incorrect information the following week without notice. XXXX is complete refusing to investigate and said that as long Credit acceptance verify incorrect information, they will report incorrect information as such. 

XXXX XXXX XXXX acknowledges incorrect information their reporting and continue to verify incorrect late payment. They confirm that they received legitimate dispute for late payment and continue to report i was late. 

According to FRCA federal law, a account can NOT be reported as late until it is 6 days past due. 

I was only 6 days past due according to XXXX XXXX XXXX. Billing statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
i received copy of credit report. at the time of this debt i was incarcerated and could not have debt. address on original bill was never my address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I contacted my Student Loan provider in XX/XX/2021. My account at the time was current. My hours at work had recently been cut due to them needing to cut back some hours because business was slow due to the Covid Pandemic. The customer service agent I spoke to said they would be happy to assist me and it just so happened that XXXX XXXX XXXX had some temporary repayment options. I was told since my account was current i qualified to keep my account current even if i deferred the payment. I was happy. I started paying my loans back as agreed. But then I find out discover had reported my account delinquent when I thought we had an agreement. Now my credit score has dropped a significant amount. When I called XXXX XXXX XXXX to bring up this issue they said they had no record of said call. That they would have to look back and listen to the call and even then it wasn't a for sure because the call might have been deleted from their server. All they said was that they would talk to the employee but that I was basically XXXX out of luck and that was that. All they tell me is to dispute their claims. Its not fair that they tell the customers they will help when they actually don't. Now I'm suffering with negative remarks on my credit report and wont be able to buy the house I wanted to because this employee gave misleading information or just didn't care enough to adjust my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: First Help Financial, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX of this past year I received XXXX hard inquiries on my credit report. During that time XX/XX/XXXX and XX/XX/XXXX I recently purchased a XXXX XXXX in full from XXXX XXXX XXXX. They unauthorized contacted XXXX XXXX, XXXX XXXX auto, and first help finance. 
The XXXX that I purchased off of them they sold me a lemon, no loan was taken out the car was paid in full and not even XXXX minutes off the lot, we return the car to the dealership and got our money back. The main manageXXXX at this dealership assisted us through it all yet I still have these unknown errors on my account which ultimately hurt my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
got copy of my credit report and had this debt on it from resurgent capital services not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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:
1. ) XXXX, Equifax and XXXX refuse to remove fraudulent accounts from my credit profile in which is a result of identity theft. 2. ) Their claims are without facts and they make statements such as the creditor certified the information. 3. ) Upon my request to to review the certification documents that the creditor certified all credit reporting agencies denied my access to review the file. 4. ) a creditor must not certify its claims ; it must verify its claims and alleged debts in which XXXX has not verified its alleged debt, there is no original contract between I and XXXX and I have never lived at XXXX XXXX XXXX XXXX XXXX ; XXXX Florida XXXX. XXXX. ) therefore no debt can be verified and must be removed and I am no longer to be harassed by XXXX over debt that is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
I purchased a {$200.00} visa gift card from XXXX on XX/XX/21 and it was delivered Sunday XX/XX/21. I opened the sealed card and registered it. I went to use it within the hour and it was denied from multiple places, including XXXX. I called the number and the automated response had no option fitting my need not an option to talk to a representative. I called the next morning in hopes it was normal business hours and finally got a representative. The cards entire balance was used up by XXXX XXXX  charges that I did not make nor do I purchase anything from them as I have an XXXX. 
The representative was professional but I had to complete a form disputing the charges and can not use the card for an extended period while they investigated. 
I looked at the XXXX reviews and there are many with then same issue and many more complaints with the XXXX 
The only ones that could have accessed this card would be someone at XXXX or someone at Blackhawk Network Holdings Inc . However, there is no was XXXX would know all the credit card info and the zip code that was used. 
Blackhawk Network Holdings Inc Has a very serious security breech and are making customers jump through hoops to try and get their money back because of the companies inabilities. My information including my name, phone and address would also have been compromised leaving a security risk for identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX of this past year I received XXXX hard inquiries on my credit report. During that time XX/XX/XXXX and XX/XX/XXXX I recently purchased a XXXX XXXX in full from XXXX XXXX dealership. They unauthorized contacted XXXX XXXX, Capital one auto, and first help finance. 
The XXXX that I purchased off of them they sold me a lemon, no loan was taken out the car was paid in full and not even XXXX minutes off the lot, we return the car to the dealership and got our money back. The main manager at this dealership assisted us through it all yet I still have these unknown errors on my account which ultimately hurt my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX of this past year I received XXXX hard inquiries on my credit report. During that time XX/XX/XXXX and XX/XX/XXXX I recently purchased a XXXX XXXX in full from XXXX XXXX XXXX. They unauthorized contacted Wells Fargo, XXXX XXXX auto, and first help finance. 
The XXXX that I purchased off of them they sold me a lemon, no loan was taken out the car was paid in full and not even XXXX minutes off the lot, we return the car to the dealership and got our money back. The main manager at this dealership assisted us through it all yet I still have these unknown errors on my account which ultimately hurt my credit report.

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 2021-12-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a Chase Southwest credit card in XX/XX/XXXX and always paid in full every month. My balance was zero an XX/XX/XXXX and again on XX/XX/XXXX when I closed the card because I didn't use it enough to be worth the annual fee. I received a call last week from Chase stating that my payment was 57 days past due and I asked how could that be if I closed the account months ago with a zero balance. They stated that a charge was allowed in XXXX of XXXX XXXX months after the account was closed. I have since disputed this charge twice, but have failed to get it removed from my credit report and I am still incurring late charges on a fraudulent charge. I do not receive a paper bill or have access to this account through the app since it has been closed for many months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
I made my regular monthly payment, early and with additional principal- as always. The website applied it wholly as principal- none towards the monthly payment. Ive tried to contact them, the phone number doesnt work. You dial it and it hangs up on you. I emailed them, nothing. Meanwhile they reported it as a late payment and have effectively trashed my credit scorXXXX. If I had an extra {$2000.00} to make a double payment due to their error I would. I need this fixed asap and my credit report corrected. Lakeview loan servicing is terrible.

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 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Didnt receive enough information to verify the debt when requested. 

Account is reporting closed but its reporting and updating a payment history every month.

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 2021-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I, XXXX XXXX, is the consumer in fact and I am asserting all rights pursuant to 16 CFR XXXX. I am aware that the Consumer Financial Protection Bureau is here to enforce Federal consumer financial law and to ensure that I, the consumer, have access to markets for consumer financial products and services to which are fair, transparent and competitive. I am also aware that the CFPB is authorized to exercise its authorities under Federal consumer financial to protect the consumer from unfair, deceptive, or abusive acts and practices pursuant to 12 U.S. Code 5511 ( b ) ( XXXX ). 

I entered into a consumer transaction with Mariner Finance , LLC on XX/XX/2021. I provided all of the necessary documentation and I was approved for the amount of {$2500.00}. I signed a promissory note to received funds for the extension of credit, but I never received a benefit or any other exchange for the signature that I provided on the promissory note. I reached out to Mariner Finance on XX/XX/2021 to take care of the matter, but they refused to fund me despite of my signature to the note. The organization said that I didn't provide proof of income within the last 30 days and this accusation is false. I have the copy of my pay stub as an attachment. 
According to the Equal Credit Opportunity Act, Mariner Finance , LLC is in act of discrimination pursuant to 12 CFR 1002.9 ( b ) ( 1 ). I, consumer, exercised my right in good faith pursuant to the Consumer Credit Protection Act. 

On the bottom of page XXXX of the promissory note, it states that this instrument is pledged as collateral to XXXX XXXX Bank, XXXX. I, the consumer, demand documentary evidence pursuant to 15 U.S. Code 44 from Mariner Finance , LLC to prove that the organization did not sell this note and receive any benefit from signature. Failure to do so is considered an act of embezzlement by Mariner Finance , LLC. pursuant to 18 U.S. Code XXXX and I assign the Consumer Financial Protect Bureau to exercise its authorities to protect me, the consumer, from any abusive acts to which Mariner Finance , LLC may have induced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Suntrust/ Truist closed our checking and savings accounts without notice and have not given us a reason why. They have also not let us withdraw our funds. These are our main accounts in which our income gets deposited into. We have not had access to our funds since XXXX. They are now saying they will mail a check on XX/XX/10 with our funds which will also take XXXX days to arrive. They will not let us simply withdraw the funds from a local branch so that we can pay our bills. Furthermore, they are withholding names and phone numbers of the case managers and departments who are handling the case. I spoke with XXXX on XXXX who sent an email to the " back office department '' but would tell me the response to the email or give me any contact information to the person or department handling my case citing it is " an internal department. '' No one has given us any answers regarding this situation and it is causing our family undue stress and suffering since we need to be able to pay our mortgage and be able to feed our family.

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