vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
US Dept of Ed/XXXX - XXXX is reporting erroneously on my credit file. I filed for Bankruptcy in XX/XX/2019 and it was dismissed in XX/XX/2019. My account with them was included in that Bankruptcy. I recently checked my credit file and noticed that my account was still currently updating and that is a violation of the Bankruptcy stay. I have been working hard at improving my credit and this item updating is keeping my scores low. I need the US Dept of ED to fix/remove this account on my credit file. It is against the Bankruptcy stay for them to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
US Dept of Ed/XXXX/XXXX  - XXXX is reporting erroneously on my credit file. I filed for Bankruptcy in XX/XX/2019 and it was dismissed in XX/XX/2019. My account with them was included in that Bankruptcy. I recently checked my credit file and noticed that my account was still currently updating and that is a violation of the Bankruptcy stay. I have been working hard at improving my credit and this item updating is keeping my scores low. I need the US Dept of ED to fix/remove this account on my credit file. It is against the Bankruptcy stay for them to update.

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 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: WA

Complaint narrative:
I was contacted via mail by Receivables Performance in XXXX in writing, I could not get onto their website. I replied by mail asking for Validation of Debt in XXXX. I received a bill on XX/XX/2020 from Receivables Management that indicated XXXX was the original debtor. They statement I received indicated I had 7 calendar days to make a payment of my account would be sent to collections. No dispute information was provided. I mailed my check on XX/XX/2020 to XXXX as it indicated on the notice. I also sent a letter to Receivables Performance indicating I mailed a check to XXXX. I was not given 30 days from the validation to make a payment, they sent my account to collections in 7 days. I have had to submit disputes and they have instantly removed the ding on my collections report. I believe by law RP should have allowed 30 days after validation. They are in XXXX Washington, there's no way my letters took that long so they knew I paid XXXX. I believe they retaliated because I asked for proof. their # is XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA 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 2021-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The IRS has sent my Stimulus check to my closed account saving account ending in XXXX via Chase. However, I reached out to the escalations team member XXXX and they told me that if I do not reopen an account then they will send the money back to the IRS. 

Unfortunately, I was unable to open a new account because I owed a balance with an old checking account. Therefore, I reached out to XXXX ( XXXX ) and he advised me to open a new account at the local branch, but he could not guarantee that the stimulus check would transfer to the new open account ( if I get approved ). 

Like I mentioned to him, I do not have transportation to get to a branch and it is late in the day and the branches are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting. 

Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB. 

I disputed this debt in XX/XX/2020 with XXXX  , XXXX and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai. 

MCM Account numbers : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In XX/XX/2020 I opened a Citibank " Miles Ahead '' savings account with a deposit of {$50000.00} that offered a XXXX XXXX miles incentive for making a deposit and keeping it on deposit in the account for 90 days. I fulfilled the requirements of the incentive, and today wished to withdraw my funds. Citibank makes this process very onerous, and essentially has created a set of rules where I can only withdraw my funds by paying them a {$25.00} fee, which I would argue is not adequately disclosed until you ask to withdraw your money. 

Specifically on XX/XX/2020, when I went to transfer my funds back to my checking account at a local bank, Citibank informed me that the Citibank Miles Ahead account has outgoing transfer limitations of $ XXXX per month which they indicate is for " security reasons. '' However, if you pay them a {$25.00} fee, the " security reasons '' apparently are alleviated, and I can transfer my money immediately in a lump sum. Unless I wish to withdraw my money in increments of $ XXXX a month over a 3 month period, I would be forced to pay the fee. The only alternative offered was that I could visit a branch ( the closest which is several hundred miles away in another state ) or that I could close the account altogether and receive a check by mail in 14-21 days. I was inclined to do the later, however doing so would prevent me from receiving the account opening incentive, as Citibank has an additional requirement that the account must remain open ( although allowed to have a lower balance ) until the incentive is paid, which apparently can take as long as 90 days XXXX or longer based upon what I am reading online from many unsatisfied customers ). 

I spoke to a telephone representative at Citibank, and they were unwilling or unable to waive the {$25.00} fee. I researched this issue online, and apparently I am one of many, many customers complaining about this particular issue, and the charging of {$25.00} to simply regain access to my money in an efficient manner. Leaving me no other option to access my money in a reasonable timeframe, I was forced to pay {$25.00} to transfer the money out of my account on XX/XX/2020. 

The Terms and Conditions provided when I opened this account make no mention of these restrictions or fees. I have attached a copy of the document. 

I would request assistance in being refunded the unreasonable {$25.00} fee, and would further request that the CFPB look into the unreasonable access restrictions that Citibank has placed on accounts to limit consumers access to their own money without paying excessive fees.

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I am asking you to check the items appeared in my credit report because those accounts are not mine. I am attaching accounts in this report for you to reinvestigate. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I am asking you to check the items appeared in my credit report because those accounts are not mine. I am attaching accounts in this report for you to reinvestigate. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I disputed this public record with all three credit bureaus. Transunion deleted. XXXX  and Equifax kept saying verified with XXXX XXXX. I disputed this record with XXXX XXXX and they were unable to verify that this belongs to me. XXXX XXXX removed this public record from my credit file. ( Letter proving this dated XX/XX/2020 attached to this complaint ). XXXX and Equifax will not remove despite this letter from XXXX XXXX ( whom they BOTH " verified '' with ) .I 've asked XXXX and Equifax to remove this public record from my report and send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Please see file attached called " Letter for XXXX  and Equifax. 
for a complete description, with all required information with additional documents attached. 

This was also sent to XXXX XXXX today, through XXXX XXXX Mail. 

XXXX XXXX requires to include by mail, the personal information that C.F.P.B. instructs us not to include here, so the attached letter contains that personal information, but I decided to prepare a new version for the C.F.P.B. 
to be included here for Equifax and XXXX, which does not include the personal information. 

The document called Scan 3, is a copy of a cover letter provided by a bank officer from XXXX XXXX Branch located at XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX P.R. It was just one of the communications I sent through the same Bank branches and bank officers about this, proving I always kept contact. Other communications, not all, appear as documents called " XXXX XXXX '', the central office XXXX Officer assigned to my case. 

The Petition for Rehearing at the Supreme Court, which was denied last XX/XX/XXXX, just as much of the 7,000 to 8,000 Petitions they receive was also included, identified by a too long autogenerated number for its PDF file. 
The Document called Rehearing Denied shows what the Supreme Court of the U.S.A. 
shows publicly, but they decided not to post everything. 

A page appears at the Supreme Court website saying additional information is available at the Clerk 's Office, showing additional info. not shown, like : XXXX XXXX  's attorney motion to substitute XXXX as defendant on my Lawsuit, for XXXX XXXX, the one who granted me the loan to update the XXXX  Loan back in XX/XX/XXXX, because they said, now XXXX XXXX  owns XXXX XXXX Puerto Rico, because they purchased it : But, the fact is XXXX XXXX still exists nearly anywhere in the world, but not anymore in Puerto Rico. 

I only sued XXXX XXXX  : the same judge of the incorrect opinion, denied this motion to substitute party to XXXX bank, as shown and included, as Document 162 main.

The document called 2 letters XXXX XXXX, shows a recent XX/XX/XXXX letter, where in XXXX, XXXX XXXX  XXXX XXXX XXXX makes reference to another included letter in English, where they wrote XXXX account status is mostly responsible for the adverse credit decision, denying me a loan back in XX/XX/XXXX. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting. 

Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB. 

I disputed this debt in XXXX of 2020 with XXXX  XXXX XXXX and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai. 

MCM Account numbers : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
We made changes to our homeowner 's insurance and need to adjust the monthy escrow payment with Specialized Loan Servicing. I just need to talk to a person. The number for customer care is XXXX. It took my husband and I three afternoons, ridiculous telephone loops, 30 minute wait time and by the time we might have fund the right department they hang up on you! This happened three times in three days. All I want is to talk to them about adjusting my escrow balance. I just only want them to call me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
Macy 's closed my account ending in XXXX and transfered the balance to a new account ending in XXXX. They increased my account from XXXX to XXXX, XXXX with out my approval. 
I want my original account to be open.

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

XXXX. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX please delete it immediately. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I received my latest statement from Navient ; XXXX XXXX XXXX, XXXX, PA XXXX on XXXX XXXX, 2020. They said they had not received my payment for XXXX, due XX/XX/2020. However, I photograph my check, the statement and the properly stamped, addressed envelop. I mailed it on XX/XX/2020. This has been an on-going battle with Navient. It could be the USPS also. This is why I photograph everything. I refuse to pay late fees due to the malfeasance of the USPS or the chicanery of Navient. They have not made any concessions during the Trump Pandemic and XXXX XXXX election rigging. Navient is preying on it's consumers and not crediting my account. I have paid every payment on-time. I have made over-payments every time. Please investigate this matter. I sent my payment on time!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: LA

Complaint narrative:
We have over 90 unauthorized chargers on our USDirect Express Social Security debit card statement for a total amount of what appears to be {$730.00} dollars with 59 chargers in XXXX over a 9 day period & 37 chargers in XXXX over 2 days. All of the chargers were made to 9 XXXX accounts. USDirect Express Operator we spoke to says they can not issue any credit for these chargers. Direct Express says that we would have to get XXXX to reverse these chargers. We did fill an unauthorized charge claim with XXXX on there web site, but it was denied. & we have not been able to speak with a live person At this point we are filing a police report to send a copy to US Direct Express to see if this will help keep our claim open. When you have the opportunity to look at the chargers on the Direct Express statement the first thing you will notice is the pattern of dates, times & sites that were chartered. Please let us know what else we can do to recover this money. This is a bad situation for my family as we or on a fixed income but is also for other people. After an internet search trying to find information on the XXXX suites that had ran unauthorized chargers on our card it appears that many people are having the same issue with chargers & XXXX and getting their money back. 
.

Company response to consumer: Closed with monetary relief