vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting a complaint in reference to the credit bureaus knowingly reporting inaccurate data/information. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand these inaccurate addresses be removed. I XXXX XXXX XXXX legally requested these unknown addresses be removed reporting without valid proper disclosure requirements are in direct violation of my consumer rights. Federal law requires you to respond in ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with the credit bureaus. Thank you, I look forward to resolving this expeditiously.

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 2021-01-28 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: GA

Complaint narrative:
I sent a letter disputing 2 accounts as erroneous on XXXX and mailed them certified, return receipt requested. I received notice the dispute letter was received on XXXX. It is now XXXX and I have not received a response from Equifax or receive anything that I requested to verify these accounts. If they can not verify the information within the 30 day time period they must block and remove the items in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am submitting a complaint in reference to this company DEPT OF ED/ NAVIENT knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: NY

Complaint narrative:
I never opened credit card with XXXX  XXXX XXXX, which I confirmed twice with the bank. The experian credit report showed that Under my name, there is a XXXX  XXXX XXXX credit card with payment made on time each month since 2013. I cleared dont have this credit card nor made the payments. I filed a dispute, experian just made an updates but didnot delete this account. 
This is the second time they mixed up my report with someone else. 
It happened before, it was the same XXXX XXXX XXXX credit card poped up, I filed the dispute and they removed it.

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 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander was part of the multi state Attorney General lawsuit. My loan was part of their predatory lending practices. They are and where suppose to remove the default off all credit bureaus. I have contacted multiple times santander. It's on their recorded lines deny to transfer to supervisor being nasty and or stating no we aren't doing basically what's legally required for customers following the lawsuit unless they mail the credit department asking for it. Luckily I already already have but they are still denying it and will not resolve. I know two people personally that they owe the title they are delaying tocollect money still and doing similar illegal tactics.I mailed a certified letter also to the creditor who bought the debt they refuse to acknowledge comply and harras me illegally. Santander thinks they are above the law and continue to practice predatory loan practices take advantage of consumers XXXX  account number : XXXX Take care of your XXXX XXXX  XXXX, XXXX ( current creditor of your original Santander Consumer account ) balance today. 

We understand that debt can be stressful. Your {$11000.00} balance with XXXX XXXX XXXX, XXXX ( current creditor of your original Santander Consumer account ) may be one of the many things on your mind. 

Work with us to set up a payment plan that works for you. 

Sign up for a plan today and mark one thing on your list as done. 


Sign up for a plan This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 


Copyright 2020 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Your XXXX  account number is : XXXX Click here for more information about your balance Unsubscribe Dispute this debt Privacy Policy Log in to your account This was originally an account with Santander Consumer, account number ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NJ

Complaint narrative:
In response to Complaint ID XXXX Not really sure why XXXX XXXX keeps responding to my complaints. I've stated at the end of each and every one that a response is not necessary, as is useless. Part of the brazeness Discover has I suppose ... 

Please note in XXXX XXXX XXXX latest response, he specifically stated, and I quote, " We will not being providing phone call recordings as you have detailed in your correspondence to the CFPB. '' So ... I, the customer, requested a copy of the recordings of my own phone calls for proof of an agreement with Discover 's agents.. And he just blatantly denied that request ... Need I say more? That pretty much says it all right there ... I have already documented this into my files and it will be used as part of my supporting documentation for my lawsuit against Discover ... A very big part ... The biggest part. : ) XXXX XXXX and his colleagues should be aware that if a subpoena is ordered by the court for the audio recordings of the relevant conversations, and they fail to comply, they will be subject to civil or criminal penalties ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
To whom it may concern, my credit was screened more than the amount of times I had authorized for resulting in negative affect to my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Also, update the following accurate personal information to 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 non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union is eliminating their regular checking account that has no fees and replacing it with either a classic checking account with no fees and is free similar to their elimined account or a premium account that will charge a $ XXXX  monthly fee. Customers are automatically opted-in to be enrolled in the premium account and must either call customer service or go to a local branch to opt-out of this premium checking account. The counter that the account is free for 30 days and customers can opt-out anytime during this 30-day period. The problem is users are notified by email and many will mistake this email for a marketing email since they send similar emails to market various offers. If customers do read the email, it doesn't seem to indicate that they can opt-out. It gives customers the false impression that AFCU has only the premium account. Most customers will have no idea they were opted-in to the premium account and will only find out after they are charged a $ 6 monthly fee starting in XXXX or XXXX. They will probably have no idea what the premium account is until they are charged {$6.00} and told by AFCU that they were opted in. It is also misleading since AFCU says customers can avoid the {$6.00} fee by having a balance of {$1500.00} but according to their terms a customer must have 1 ) an average daily checking balance of {$1500.00} for the month, 2 ) {$500.00} in direct deposits for the month, and 3 ) a total of at least 20 purchases made on either their Visa debit or Visa credit cards. Many customers will be surprised to see the $ 6 monthly charges since they believed that they only had to have one of these 3 requirements to avoid the {$6.00} fee. Their information on the Classic vs. Premium checking account is also confusing with a statement that the Premium checking has an unlimited amount of transactions. If you ask customer service they indicate there isn't a limit on transactions for the classic but it sounds like there is. They also mention the premium has fraud protection giving customers the impression that the classic checking account doesn't have this protection. They also tout the benefits of the premium account such as smart phone damage insurance and identity theft protection but it seems these are normally available through the Visa agreement for no fee. Customers should be notified by mail for such changes and also shouldn't be automatically opted in even if it is a 30-day free trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I paid off my American Express XXXX XXXX  card full balance of {$110000.00} on XX/XX/2021. On XX/XX/2021 I confirmed with an account representative assigned to me that payment was received in full and that there were no issues with my account. Since that time my card has been rejected several times. 

On XX/XX/2021 a representative said they would contact my bank to confirm payment went through, even though the funds were removed from my account on XX/XX/2021. They were unable to confirm and my card was still not usable. 

On XX/XX/2021 a representative said they would look into it but never got back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payments on XXXX and XXXX of 2020 during COVID19. Do you even mark consumers ' late during these times? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
on XX/XX/XXXX I visited my local US bank branch on XXXX XXXX XXXX XXXX, Il XXXX to open an IRA Money Market to rollover 401k distribution money from my previous employer. I met with XXXX XXXX. I told XXXX I was expecting an additional check from the same 401K plan in a few days. She proceeded to open the IRA Money Market and deposited the original amount to the account. When I went home I checked the account # XXXX and the money was in my account in the amount of {$2000.00}. 
When I finally received the additional check in the amount of {$220.00} I went back to the bank on XX/XX/XXXX and met with XXXX XXXX. Both 401k checks were from the same employer, XXXX XXXX and were made payable to US Bank XXXX XXXX XXXX XXXX IRA. 
XXXX called her operations department to receive instructions on how to process this additional deposit. She gave me a receipt for the amount and took the check. 
As of XX/XX/XXXX the check is NOT shown in my account!

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 2021-01-28 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I used my American Express XXXX XXXX card to purchase a slide from a company called XXXX XXXX. The slide that was delivered to me was NOT the slide that I was discussing and approved a purchase for with the company representative. He did a bait and switch without my knowledge. American Express has not been able to resolve the issue. 

The company has acknowledged an issue and requested I pay hundreds of dollars in shipping and restocking fees to return a slide that was fraudulently switched on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28 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: MN

Complaint narrative:
XXXX fixed error of bankruptcy on my credit. Sent me a letter that it was to be removed and stated it sent this information to experian to update. This was on XX/XX/2020. It is now XX/XX/XXXX and experian refused to remove. Stating that they confirmed with XXXX that it is to remain. This is incorrect because XXXX has already removed it from their reporting. Experian has received several letters from myself and XXXX and is also stating they never received the letters. Experian, XXXX XXXX, and XXXX are all over the fair guidelines.

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 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: MA

Complaint narrative:
XXXX XXXX in RI? I've never lived in RI before ... Only in MA!!!! 

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation