vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
After receiving an automated Email from my bank stating I owed {$180.00} due on XX/XX/2021 I knew something was wrong with my account, so I contacted my bank to find some answers. During that phone call, the associate I talked with stated the charges came from a {$30.00} late fee ( 1 day late payment from XX/XX/2021 ) as well as my XXXX monthly payment. When I told the associate that the numbers didn't add up and the {$180.00} was incorrect and there was no way I owed what they were claiming and something was wrong with my account, I was going to be put on hold so my account could be looked at. Instead I asked to be called back as I would use the time as well to look at my records. They agreed and the call ended. They never called back, instead, their in-house collection department called me in an attempt to collect on an outstanding debt in the amount of {$180.00}. While I was talking to the first agent that called I again explained that the amount was incorrect and my account needed to be looked at. Instead of helping me they said I owed {$180.00} and could I make a payment. I said no and the call ended shortly thereafter. After several calls back from the same department demanding payment of {$180.00}, I finally had to tell them to stop calling me unless someone was going to help fix my account. No more phone calls from anyone. When I called my bank on XX/XX/2021, trying for the final time to clear my account and after spending 55 minutes going round and round with the collection department, I found out my real XXXX payment was only {$82.00}. If you add the late fee of {$30.00} it's only {$110.00}. Far different then the {$180.00} they spent the month of XXXX trying to collect from me. It's simple math and the numbers don't lie. After almost an hour of round and round I finally had enough and told them to close my account so they couldn't keep adding on additional fees and fines. Despite proof in numbers they still wanted {$180.00} to clear 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 2021-08-04 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: WI

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: IL

Complaint narrative:
my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: LA

Complaint narrative:
I SENT IN LETTERS BUT GOT NO RESPONSE ON THE FOLLOWING : I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
review these accounts, which appear on my credit report, do not belong to me. 
Identity Theft CREDIT ACCEPTANCE CORP Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine.

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 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: WI

Complaint narrative:
What happened? 
i im filing a complaint with the state of Wisconsin for the illegal repossession of my vehicle. On both occasions no notice of default was sent. The first time XXXX claimed he had sent it but to the wrong address. I personally gave him the correct address informing him my car was picked up at my house and gave him the address and confirmed it. I tried to make a payment online which i couldn't.On this occasion not only was my car taken without mailing a notice of default bit also while i verbally told the XXXX  not to take it as my right by Wisconsin law. You have violated my rights with your illegal practices by not following the law of the state of Wisconsin. A complaint and copy of this email will be filed with the state. Also as I'm looking at my contact information i noticed that i was told my interest would be 156 % when i was approved yet noticed that it is actually 190 %. As these documents are not shown or explained at time of loan you are told to just sign which is misleading by tell you one rate and by not informing the actual interest rate being charged at the time of signing the contract which is also a fraudulent practice by TitleMax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: IL

Complaint narrative:
my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the 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 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aspen National Financial, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, Aspen Collection XXXX worke, XXXX XXXX, contacted us and pretended to represent XXXX XXXX XXXX mortgage department and was calling to collect monthly payment. However, she applied the money to a debt we dont owe. When the debt intially hit my credit I asked Aspen to validate because I didn't owe any fees. They never provided me with any information. 

Intially, when we signed up for XXXX XXXX XXXX, the director waived all maintience fees however, it seemed like a ploy to get us in the door to manipulate and defraud us. Aspen has violated out trust and conducted illgeal debt collecting practices. I want the money they took that is not owed to them to be applied to the correct account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a loan with DSNB MACYS. I have always made my payments on time. I am requesting for a complete payment history of my record, but I have not received any of its kind. I have been contacting XXXX, XXXX, and XXXX  and DSNB MACYS with no successful resolution. There was definitely an error on their part.

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 2021-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Victim of scam on Venmo where the seller sends money but requests a refund and I lose out on item and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: TX

Complaint narrative:
Transunion has reported on my consumer report without my written consent. They are in violation of 15 USC 1681b ( a ) ( 2 ). Because of their wrong doings, I have been unable to purchase a home. I have not been able to acquire high paying jobs because of the reports that they have furnished on my report. I am also unable to obtain loans during this time of unemployment and they have made my life extremely hard and almost unbearable. I have proof that they have received my notice on XX/XX/2021and still nothing has been done. No deletions or remedy for each violation.

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 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: WI

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2021-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I was scammed out of XXXX on cash app on XXXX XXXX I've reached out several times and literally saw someone controlling my phone to get my money and switched to XXXX .I tried decline and dispute with no help at all .I even got on my home computer to alert customer support on XXXX and cash app .it was an allegde.paypal rep who did it. 
I filed a police report and have an active case with a detective handling it. 
At this point I'll be without ligjts, water, insurance and phone service by next week with no help of getting my money returned .I really think its an inside job with whomever works for cash app or owner to scam people out of money when they can, if they are a so called bank or etc they can clearly see what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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 writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, A PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TN

Complaint narrative:
I have been making payments toward Public Service Loan Forgiveness since XXXX. In reviewing my qualifying payment tracking history, the XX/XX/XXXX payment is randomly listed as " ineligible '' for reason of " you do not have a bill due for this payment period ''. There is no authorized or known reason that a bill would have not been due that month, and a payment was made on XX/XX/XXXX in the usual amount of {$67.00} as is demonstrated in the transaction history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CT

Complaint narrative:
A company unknown to me placed a medical collection on my credit report. I am not a resident in the state of the medical center. I have not traveled to the state where the medical center is located. I am employed in my state of residence and carry medical insurance through my employer. I do not have family in the state where this medical center is located. I do not suspect fraud, rather I suspect this is an administrative error where my SS # is being reported to in error. I contacted the agency on my credit bureau report. Unfortunately, they were not able to assist me as they do NOT have an account in their office with my name. I was told due to privacy laws they could not disclose information about any debt. I offered my social security number to which they advised my name is not in their system and they could not speak to me. This debt does not belong to me. Please perform a thorough investigation to determine the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04 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: PA

Complaint narrative:
This item is reporting late as reported in my 3 Credit Bureaus. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate thoroughly and please update for 100 % accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN

Complaint narrative:
Simmons bought out XXXX and from the beginning of my loan my insurance and taxes have been escrowed. And iaround XXXX we were told that our insurance had lapsed several months earlier. It took an act of congress to make simmons admit that they messed up and I had to quit work and school to be XXXX XXXX  to my XXXX yr old daughter that had passed away with XXXX XXXX. After she passed then i was told that i was just going to have to do without because i had not worked or had enough credits to get health care or any type of help. It was about 2 years after she died that i found out that Simmons was Charging me for Hazard Insurance then expected us to get back the insurance they lost and they didnt want to even acknowledge that at first that they knew anything about it. But After all of that and fighting through getting getting more insurance ( Had to take a lot less coverage just to come close ) with the insurance getting into lapse position due to them and being penalized like it was my fault, our escrow increased our house payment by about {$100.00} a month and have tried to work this out with them 2 more times but they just keep adding on and my wife and i were on a fixed Budget, Both XXXX. Now they are trying to say we are {$5000.00} late and my original payment with insurance and taxes was {$420.00} and now the payments are about {$550.00} they are threatening foreclosure. I need help and need someone on my side. We have all the paperwork proving this to. Thanks, XXXX 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 2021-08-04 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: TX

Complaint narrative:
I SENT IN LETTERS BUT GOT NO RESPONSE ON THE FOLLOWING : I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Account name
XXXX XXXX XXXX
Account number
XXXX
Original creditor
XXXX XXXX XXXX/XXXX XXXX


THIS ACCOUNT IS A FRAUDULENT ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: NY

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Nevada Credico, Inc.
State: NV

Complaint narrative:
Quantum Collections is reporting accounts on my credit file that need to be removed. I have asked for validation several times and received nothing in return. This account is not only reporting without being validated which is a violation but it's past the statute of limitations. I ask they remove the 2 collection accounts from my file.

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