vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN TODAY WILL NOT PERMIT AN ONLINE DISPUTE OR UPLOAD OF DISPUTE SUPPORTING INFORMATION. 

I HAVE TWO ACCOUNTS, XXXX  XXXX XXXX ACCOUNT XXXX, AND XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXXBOTH OF THESE ACCOUNTS HAVE LATE PYMTS IN THE HISTORY DUE TO MY COMPLETE BUT TEMPORARY XXXX OF 9 MONTHS FROM XX/XX/XXXX THROUGH XXXX OF XXXX. 
I WAS PHYSICALLY MENTALLY AND EMOTIONALLY XXXX UNDER A DOCTORS CARE AND RECEIVING GOVT XXXX PAYMENTS. 
TODAY I AM A XXXX  EARNINNG {$85000.00} PER YEAR ... AS SOON AS I WAS ABLE I CAUGHT UP ON PAYMENTS AND PAID THE ACCOUNTS OFF.I HAVE INCLUDED SOME OF THE GOVT DISABILTY PYMT INFORMATION RECEIVED AND REALLY NEED AND DESERVE EITHER A DELETION OR NA OR ND ON MY LATE PYMT HISTORY AS THIS HAMPERS THE HOUSE TRANSACTION I AM TRYING TO BUY TO GET OUT OF MY SMALL MOBILE HOME I LIVE IN AND OWN.

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 2021-06-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
There a Hard inquiry that I did not authorize on my account that needs to be removed immediately, Also there is a Utility bill that is unauthorized on my account, that keeps reappearing, after it was deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: AES/PHEAA
State: GA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 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: MN

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX Ct, XXXX GA XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX Ct, XXXX GA XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA 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 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Standard 30 yr morgage, never missed a payment, escrow attached to mortgage. 

XX/XX/2021 - Received letter from a XXXX XXXX about our unpaid school taxes. 
XXXX : XXXX XX/XX/2021 - Notify Citizen Bank via phone call about the missed tax payment ( https : //www.citizensbank.com ) *Per Citizen tax payed from escrow account *Per Citizen payment is filed through a 3rd party provider *Per County tax office taxes NOT payed XX/XX/2021 - XX/XX/2021 XXXXCall citirzen bank 20+ times ( 1-2 times a week ) trying to give this issue resolved XX/XX/2021 - XXXX XXXX Notified us they would put a lean on the house XX/XX/2021 - We wrote a personal check to pay the taxes. This action was taken after we called citizen and they told us to pay the balance due of $ XXXX+ in taxes to avoid the lean. 
XX/XX/2021 - Citizen will not refund us the $ for our personal check until the issue is fixed after telling us to pay the balance.

We have tried to fix this issue for 4+ months and have called them over 20 times. They have not done anything refuse to refund us our money. They have now lost or stolen $ XXXX+ from us.

How can they not be held accountable for fixing a accounting error they made. I just want my money back and to switch to any lender but them. Never do business with Citizen Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you can help me with this issues I am having with the credit bureaus. Back in XXXX of this year I notices on my reports there were some collections that were not mine. I have attached the disputes to this complaint. This is now XXXX and these items are still on my reports. WHY??? I can see that they have me as a mixed file with my mother so why is it taking so long so fix this problem. I am hoping you can make this look into this and remove my mother collections from my reports.

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 2021-06-22 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: CA

Complaint narrative:
I hope you can help me with this issues I am having with the credit bureaus. Back in XXXX of this year XXXX notices on my reports there were some collections that were not mine. I have attached the disputes to this complaint. This is now XXXX and these items are still on my reports. WHY??? I can see that they have me as a mixed file with my mother so why is it taking so long so fix this problem. I am hoping you can make this look into this and remove my mother collections from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Home Point Financial Corporation
State: MA

Complaint narrative:
I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I was never late on this 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 2021-06-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
My mortgage company ShellPoint has me on forbearance until XXXX When my husband returns to work I have reach out to the several time to have the open balance be added to the end of the loan which is one of four options Now, instead, I recently received correspondence that ShellPoint sold the loan to XXXX XXXX XXXX XXXX. 

Now XXXX sent me a correspondence stating they are a Debt Collector who is attempting to collect a debt Im confused

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-06-22 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: CT

Complaint narrative:
As explained in numerous prior CFPB complaints, remediation payment in the amount of {$3700.00} plus estimated taxes was not received, this amount was offered to me by Wells Fargo rep, XXXX XXXX in XXXX of XXXX while speaking over the phone. The payment represents compensation for unauthorized accounts opened by Wells Fargo reps which I did not need or want. Additionally, a remediation payment amount of {$500.00} plus estimated IRS taxes was not received, offered to me during a phone mediation in XXXX or XXXX of XXXX. I moved in XXXX of XXXX, as explained previously and again here, any payment sent via XXXX, XXXX, would not be received if sent by either carrier, which includes old address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo reps including a XXXX  have replied in the past by verifying address, mention a signature waiver which there is none, package containing check ( s ) was supposed to have signature according to a XXXX XXXX whom I was working with at the time of check issue. Please note, the check amount of {$3700.00} is a check re-issue, initial payment sent in XXXX of XXXX, was intercepted by a third party, cashed in my name. It appears person ( s ) now living at old address may have intercepted checks in question, if sent to old address, cashed them in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Most recently, I've been calling Wells Fargo executive phone bank, given various different numbers to remediation department, all of them incorrect, wrong numbers. It appears Wells Fargo reps are trained to give out false, incorrect numbers to dissuade customers from reaching correct dept. In order to obtain correct number, I had to call the company whom issues checks on behalf of Wells Fargo, request number to remediation department and have been calling over a week now with no resolution. I've spoken with several managers including a XXXX and XXXX, both requested check reissue and a new case manager assigned which was originally requested in XXXX. I have yet to hear back in regard to both requests. The last Wells Fargo rep replying to CFPB, a XXXX, referred back to previous replies which merely refer to address provided and do not address issue of non-receipt of payments. It appears Wells Fargo reps refuse to do anything, despite non-receipt, merely verify address they were provided..The CFPB might want to send this complaint to someone else other than XXXX or XXXX XXXX neither rep seems willing to address/resolve issue. Most recently, a XXXX replied by referring back to previous replies, do not address issue of non-receipt of payment

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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a formal request to get my credit information updated due to billing inaccuracies. I have personally spoken to the data furnisher which is Capital One Bank USA and they have confirmed they have reported the correct balance statement that closed on XX/XX/2021. The statement balance closed as {$91.00} on account ending in # XXXX. Which is 100 % accurate as reported by the XXXX XXXX BUT the issue is XXXX  XXXX CRA 's ) have reported this on my credit as having a balance of {$910.00}. This is inaccurate and in violation of FCRA & FCBA law. Capital One Bank USA has confirmed specifically Capital One Agent ID # XXXX  XXXX that they submitted over the statement balance for account ending in # XXXX as {$91.00}. They provided verbal and statement showing the correct balance. CRA 's are claiming that this is an error on Capital One Bank USA not them. They persist that this is on Capital One Bank USA to correct. Whoever the error is on please update this swiftly as this is affecting my ability to purchase a new home. This has now placed me under financial stress due to the massive credit score drop and it's wildly unfair this is happening. I kindly ask for this to be corrected as reflecting the correct balance of {$91.00} as the supporting documentation/statement that closed on XX/XX/2021 for accounting ending in # XXXX clearly reflects. I have spoken to Reporting Specialist at XXXX  ID # XXXX and have verbally informed XXXX  of the error to get this fixed as soon as possible but they claim the error is on Capital One Bank USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
15 USC 1681b and 12 CFR 1022.3h 2 accounts I did not give consent to have attached to me please delete them it's a XXXX dollar violation for each one

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KS

Complaint narrative:
I was contacted several years ago about a debt being owed to Ace Check Cashing for a loan I told them that I had never contacted them about alone I've never received the one from them They said it was online Through their Website I Told then that I had been a victim of identity theft And they even said they would write it off as fraud This was charged off in XXXXAnd the collection agency that now has the account received it 2 months agoXXXX XXXXAnd that I was not employed in XX/XX/XXXXj

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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:
In my original investigation request sent XX/XX/2021 I asked for Equifax to delete anything that is not 100 percent accurate. They responded saying that all of my accounts were indeed correct and verified. After that, I sent a letter on XX/XX/XXXX asking for them to please remove the accounts below from my credit report because I found inaccuracies in each entry. I also provided proof of the inaccurate reporting along with my letter. Instead of deleting the information as requested, they updated my file. Which is against the FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
- I had an account with Equifax , Inc. for credit monitoring services. 
- In XX/XX/XXXX I received an email from the company that my account was migrated to a new service. 
- I was never able to sign into that service. There is no customer service to help, the phone number given XXXX XXXX XXXX XXXX is is always busy and is very difficult to navigate. 
- With difficulty, I found an equifax fax number with instructions for information to provide for closure and sent it. 
- In XX/XX/XXXX, I see that I am still getting charged. 
- I sent an email to XXXX with the same account closure information I faxed 6 months ago. 
- Equifax is deliberately making it difficult to close an account and keeping on charging for a worthless service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There a Hard inquiry that I did not authorize on my account that needs to be removed immediately, Also there is a Utility bill that is unauthorized on my account, that keeps reappearing, after it was deleted

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 2021-06-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There a Hard inquiry that I did not authorize on my account that needs to be removed immediately, Also there is a Utility bill that is unauthorized on my account, that keeps reappearing, after it was deleted

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 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Netspend Corporation
State: MS

Complaint narrative:
My Netspend bank supposed to had sent me a new card. They sent it to another address in New York. The addressee got my card an activated it. An proceeded to withdraw my money from my account. They withdrew XXXX. XXXX from my account. An left me with a negative. I called my bank about this and filed a complaint. They said it would take about 10 business days for them to investigate it. When I called to check on it. They told me it was my fault and negligence on there behalf. Can you please help me get my Social security money back.

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 2021-06-22 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Between, XXXX, Transunion, XXXX  Is a violation act of the FCRA Dispute reasons remove accounts because the reporting last payment and closed dates are inaccurate If they are getting the information from the same source why is different? 
The dates dont match Im reporting to e date last active because are inaccurate Plus Plus I never had receive any information from Transunion about this issues by mail Is my right to have it All this is wrong Plus nothing much in the dates last date active between any of the credit reporting agencies

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