vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was defrauded by a moving company. On XX/XX/2021, I opened a dispute with Citibank about a transaction made by the moving company. Citibank didn't give me chance to submit any supporting documents or collect any information from me to hear my side of the story. Instead, on XX/XX/XXXX, they ruled against me. This is not how credit card disputes are supposed to be investigated.

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 2021-10-29 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be removed. 

XXXX BRIDGECREST XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On or around XX/XX/2021, I was notified by my credit bureau that a 30 day late was reported to my mortgage account. I have this account on auto/pay and in review of the payment history on the mortgage website ( mrcooper.com ) it shows that my payment are PAID and not late for the month in question : XX/XX/2021. 

I tried calling the loan servicer, Mr. Cooper, several times and it seems like each time, I get a different answer. It seems like the representative did not have the authority to resolve the matter after verifying that indeed the account is paid on time. Then, they said they will report it correctly to the credit bureaus correctly. Another rep asked me to submit the proof of payment when we can both see that it's paid and posted onto their website. 

I would like Nationstar Mortgage LLC/ Mr. Cooper to fix this wrong and update to the credit bureaus correctly and not make me just through hoops and having to file this complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: IA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH AFNI, INC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSET AND KNOWLEDGE. THEY USE MY ID TO OPEN PHONE BILLS IN MY NAME. THE PERSON ALSO RECIEVED MEDICAL ATTENTION UNDER MY NAME WITHOUT MY KNOWLEDGE. I AM WRITING TO REQUEST AND INITITATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX CRA & # XXXX XXXX. ON XX/XX/2020, I MAILED EQUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/OR FAILED TO REFUSED TO BLOCK USAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICE FOR OTHER POSSIBLE VILOATIONS OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Stark Collection Agency, Inc.
State: IA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH THE STARK COLLECTION AGENCY. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH CREDIT COLLECTION SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Someone is using my information to open bank accounts.

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 2021-10-29 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: GA

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 42 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A man called me saying I was being rewarded {$1000.00} from fafsa. He sent me the money but needed my chase info. I XXXX gave it to him. He transferred 3 different amounts of checks. And said he made a mistake. He calls back and says I need to send the money back or XXXX get in trouble. I sent {$1000.00} to XXXX XXXX he said his name was. I did but it is pending for review. He then said to send another amount to a different name. I felt uncomfortable and it felt too suspicious. So I blocked him right away. Hes been calling nonstop and I keep blocking the numbers hes calling from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: IA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? Fix this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: CA

Complaint narrative:
Equifax- Mailed letter on XX/XX/21, XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus. 

XXXX Mailed letter on XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus. 

XXXX- Mailed letter on XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX  XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I just had these two companies pop up on my credit for credit cards that I dont own! I havent opened any new accounts in over a year!! Im very upset about this!! I have contacted my attorney about this! These companies are fraudulent and need to be invested!! Pleas remove them from my account! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: CA

Complaint narrative:
TransUnion has failed to validate the accounts listed on my consumer credit report. TransUnion has failed to provide a full credit file as well as a corrected consumer credit report. 

I did not give TransUnion written instruction to furnish my personal information to anyone. 

I would like to request a full file disclosure. 
Additionally, please verify, reinvestigate and send the credit file for the following accounts listed below on my consumer credit : 1. XXXX XXXX XXXX XXXX Docket # : XXXX 2. XXXX XXXX Acct No. XXXX 3. XXXX XXXX XXXX Acct No. XXXXXXXX 4. XXXX XXXX  XXXX XXXX  Acct No. XXXX 5. XXXX Acct No. XXXX 6. XXXX Acct No. XXXX 7. XXXX Acct No. XXXX 8. XXXX Acct No. 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 2021-10-29 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was hospitalized for XXXX during the time earlier this year. I have contacted Nordstrom to ask for a reconsideration of the late payment being annotated on my account due to my situation. Nordstrom has stated they do not correct any issues that are reported on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
This complaint concerns two mortgage servicers, both attempting to collect mortgage payments from me for the same mortgage. I have repeatedly spoken to both companies over the last two weeks and both companies insist the other company is in error. My mortgage is due in three days and I am at a loss for how to proceed. Here are the facts : My partner and I entered into a mortgage agreement for a home in California in XX/XX/2021 Finance of America C/O XXXX sent us our first mortgage statement, which we paid on or around XX/XX/2021. However, a company called XXXX XXXX XXXX ( XXXX ) issued us a welcome letter stating that as of XX/XX/2021, XXXX was now servicing our mortgage. Finance of America, however insisted that it was still servicing our mortgage. In the last two weeks of XXXX I contacted both mortgage servicers repeatedly. Finance of America and XXXX ordered us to make payments through XXXX while XXXX ordered us to make payments through XXXX. 

After getting nowhere with phone calls, on XX/XX/2021, I sent an email to both companies demanding that they resolve this issue by communicating with each other. Neither company has yet responded to the email. 

Importantly, XXXX has all of my financial information, including our mortgage application and agreement, and Social Security numbers. We are unable to tell which company is our true loan servicer. Regardless, one of the companies is falsely attempting to collect our mortgage payments. We believe we have given them sufficient time to resolve this and at least one of the companies appears grossly negligent in handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC closed the above account ending in account numbers XXXX. Marked my account as delinquent for 90+ Days, reported me to major credit bureaus, & fundamentally altered my credit score by 65+ points. There was not a warning call, email, or written complaint certified or non-certified mail. With regard to the following issue it remains unresolved and I have decided to enact arbitration between PNC Bank N.A . & myself. I will send a certified postage on Monday XX/XX/2021. I request the signed copy of my credit contract & terms along with the recorded communications of relating to the closure of my account. It was stated that the delinquency was communicated via phone record & certified mail. Please present evidence of the following documents. I appreciate the executive escalation teams response but have not been provided with the following supporting documentation. I am presently incurring a substantial penalty in regard to my present credit score. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Mailed letter on XX/XX/21, XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus. 

Transunion- Mailed letter on XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXXXXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus. 

XXXX- Mailed letter on XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus.

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 2021-10-29 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: CA

Complaint narrative:
On XX/XX/2021 at XXXX PT, I called Equifax and spoke to XXXX at Equifax . I asked that the incorrect addresses and employers be removed from my consumer credit file. I was given confirmation number XXXX. 

I have attempted to have Equifax correct their reporting of information on my credit report. I did not give written permission to Equifax to report my personal information to anyone. Would the reporting and selling of my personal information without consent considered theft of identity? Even after advising Equifax of incorrect information, they willfully ignore my requests and also purposefully update my home address incorrectly. 

I would like to request a full file disclosure. 
Additionally, please verify, reinvestigate and send the credit file for the following accounts listed below on my consumer credit : 1. XXXX XXXX Acct No. XXXX 2. XXXX XXXX XXXX Acct No. XXXX 3. XXXX XXXX XXXX XXXX Acct No. XXXX 4. XXXX Acct No. XXXX 5. XXXX Acct No. XXXX 6. XXXX Acct No. XXXX 7. XXXX Acct No. XXXX Equifax has refused to provide weekly credit reports due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Your bank has handled my identity theft in an unprofessional and frankly embarrassing manner. My father served in the military for me to have the privileges such as membership with your credit union and this is not what he would have envisioned for me to occur while doing business with your company. 

I have attached my Identity Theft Report which has further information. 

As mentioned in my identity theft report and correspondences with Navy Federal Credit Union, there were discrepancies with the way my case was handled. One representative ruled in my favor and another did not. ; unfortunately, the bulk of the charges were denied. It caused me a five figure loss of funds, my Navy Federal checking account to be overdrawn, and due to that denied for other products from Navy Federal although my FICO scores range from XXXX to XXXX depending on the scoring model. 

I want these decisions to deny my fraud claim ( s ) reversed immediately and all fraud charges refunded to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation