vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
There is an account in question, which was charged off in 2019. Wells Fargo is asking me for payment on the account and claiming that I am a joint account holder and owe the debt. This is not true, I am only an authorized user. I asked them to send me a copy of the original application for the credit card, which should clearly outline my relationship to the card, but Wells Fargo claims that they no longer have access to the original application. They are continuing to report the debt to the three credit bureaus and it is hurting my credit score. I am asking Wells Fargo to furnish a copy of the original application and provide evidence that I am a primary account holder, if they can not do that, or refuse to do that, then I am asking for this debt to be removed from my file and social security number and that the debt is removed from my records permanently and that Wells Fargo report to the three credit bureaus that I am not associated with that 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 2020-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
Radius Global Solutions LLC is trying to collect on a loan where the statute of limitations is up. The Creditor is listed as XXXX, formerly known as XXXX XXXX. The statue of limitations on the loan is has expired and I would like to never be contacted about the loan ever again and it removed from any and all systems including XXXX 's system formerly known as XXXX XXXX. I called the Radius Global Solutions and gave them my attorneys information after again informing them the statute of limitations to collect on the loan is up for a second time after receiving a letter from them trying to collect on the loan dated XX/XX/2020 only because the letter was threatening me stating that if I did not notify them within 30 days of receiving the letter they sent they would assume the debt is valid and they would illegally obtain some judgment against me. It is illegal for both XXXX, formerly XXXX XXXX and Radius Global Solutions LLC or anyone else for that matter to collect on a debt for which the statute of limitations has expired and I would like to see some accountability here. Not only has XXXX XXXX threatened to break into my home and steal my college degree if I don't make payments to them, and yes I have recordings of these calls for proof, but they told me to plant a money tree so I can pay them back, like this is some kind of joke to them. I have been sued in a state that I have never even been to and I want to make sure that this doesn't go any further than it already has. If I have to sue them, I have an attorney and am willing to but I'm not sure why they can't just treat people humanly and accept that the statute of limitations if up so I'm not sued again in another state I've never been to. It's not of how these student loan companies treat people. The statute of limitations is up and I need them to recognize it and stop trying to collect on 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 2020-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX continues to verify inaccurate information TO ALL 3 CREDIT REPORTING agencies. Violations under FCRA section 623 ( a ) ( 1 ) ( c ) states the data furnisher full responsibility under federal codes must report 100 % complete and accurate information otherwise it must be deleted. Continuing to report less than 100 % complete and accurate information to the CRA is major violation. XXXX continues to verify inaccurate information from my most recent dispute with the credit bureaus COMPLETED ON XX/XX/2020.

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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX continues to verify inaccurate information TO ALL 3 CREDIT REPORTING agencies. Violations under FCRA section 623 ( a ) ( 1 ) ( c ) states the data furnisher full responsibility under federal codes must report 100 % complete and accurate information otherwise it must be deleted. Continuing to report less than 100 % complete and accurate information to the CRA is major violation.  XXXX continues to verify inaccurate information from my most recent dispute with the credit bureaus COMPLETED ON XX/XX/2020.

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 2020-09-08 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2007 with a balance of {$0.00} and a high balance total of {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: OH

Complaint narrative:
Hello, Please reference CFPB # XXXX. It has been over 30 days for this investigation and there is still no supporting documents for this BK. Per the Fair Act this public record needs to removed or XXXX, Equifax and XXXX are in the violation. 

I have all of the documents and certified mail I sent over to XXXX, Equifax and XXXX I'm sending a copy of all the mail to XXXX XXXX XXXX, which I will higher to address this concerns as he is the attorney that sued for millions of dollars. I'm sure he this case for sure. 


Public Record : US BKPT CT OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: TX

Complaint narrative:
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2013 with a balance of {$2600.00}.

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 2020-09-08 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: NH

Complaint narrative:
I ordered a shipment from one of our suppliers and they messed it up. I placed the order in mid XXXX and received it a month later ( when I was told I'd get it within 2 weeks ). When I received the merchandise it was missing items we paid for, missing my companies logo that we paid for, and the pieces were different than what was advertised online. I reached out to the merchant many times with no reply back. I gave the vendor a month to reply back with nothing ( after I reached out multiple times ). I  then went to Amex to have them reverse the charges since XXXX XXXX was ignoring me. Amex initially reversed the charges with all the proof I provided but now is saying the merchant has submitted their proof ( which Amex is not sharing with me ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-08 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:
There are fraudulent accounts on my credit profile that I have been disputing for several months to no avail. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of the Hudson Valley, Inc.
State: KS

Complaint narrative:
On XX/XX/20 I received an alert through XXXX XXXX that there was a change to my XXXX  credit report. I pulled my XXXX  credit report on XX/XX/20. There was a collection from Collection Bureau of Hudson Valley Inc, XXXX XXXX XXXX, XXXX, NY XXXX, stating the original creditor is XXXX. 

Prior to the credit alert from XXXX XXXX and prior to the discovery of this fraudulent account with Collection Bureau Hudson Valley ( CBHV ), I did not receive any correspondence from CBHV advising me of my statutory rights prescribed by the FDCPA. Specifically, CBHV deprived me of any and all rights under 809 of the FDCPA. As prescribed by the FDCPA, I am entitled to, at minimum, 3 basic & separate components : ( 1 ) Right to notice of the alleged debt, ( 2 ) Right to contest the alleged debt, ( 3 ) Right to verify the alleged debt. 

CBHV 's act of furnishing ( derogatory ) information to Equifax, without the required notifications and in compliance prescribed by 809 of the FDCPA, not only violates the FDCPA but violates various sections of the FCRA. 

Prior to reporting this fraudulent debt to my XXXX  credit file, CBHV had ample time to notify me under the requirements of the FDCPA. CBHV acquired my location information through XXXX  on XX/XX/20 via the inquiry listed on my XXXX Credit Report. The derogatory, fraudulent, and inaccurate information that was provided to XXXX  on XX/XX/20 states that CBHV was assigned this file on XX/XX/20. 

In addition, the derogatory information from CBHV that was placed on my credit report was a result of identity theft. Therefore, as an identity theft victim, and all the rights afforded to me, I sent Equifax a XXXX letter requiring them to block this fraudulent information within 4 days of receipt. Furthermore, on XX/XX/20 CBHV was in receipt of correspondence from me dated XX/XX/20, that the derogatory information they supplied to my XXXX  credit report is the result of identity theft. 

On XX/XX/20 I received a letter from CBHV that was addressed to my current address. CBHV addressed the letter to me in response to my ID theft letter, but they addressed the letter to me as " XXXX XXXX '' Please note, the name " XXXX XXXX '' is NOT a name variation that I use. 

I feel that CBHV knowingly, willfully, and intentially engaged in prohibited conduct by attempting to collect an alleged and fraudulent debt by reporting a derogatory account to Equifax, without first sending any required statutory notices or correspondence, required by 809 of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XXXX there was XXXX dollars spent using my card ( it was taken from my wallet ) in the state I used to live, XXXX XXXX. I live in XXXX  8 hours away. I am a single mom with XXXX boys and a full time job at a XXXX. Home Depot has denied my fraud claim and my appeal. The items were purchased in store as well as online and deli were to an address that I have never heard. I have always paid my card in full and hadnt used it in 7 months before it was stolen.

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 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have a Citibank Visa card issued for Costco. I was charged automatically on the bank card in XXXX for Coscos annual fee. I never received any notification by mail phone or email until XX/XX/XXXX ( text ) saying i owed money and needed to make a payment immediately. Calling them trying to get it Resolved I was constantly transferred around and then eventually disconnected. Also trying to do it online becoming disconnected. Still am not receiving a statement of any sort or any resolution other than to pay the late fees which has more than doubled the amount originally charged. Also trying to cancel the card with no success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-08 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: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I paid off an auto loan in XX/XX/XXXX, over the duration of the loan I paid extra on the auto loan and also made two payments in the same month. I recently discovered that a late payment was recorded to my credit history in XX/XX/XXXX. Ally never contacted me to inform me they reported a late payment on my credit history so I was not aware of the issue until I applied for a mortgage in XX/XX/XXXX. I was also informed by Ally today that the extra principle payments I made during my loan term were never applied towards my principle. Ally was taking the principle payments and pushing the payment out several months and charging me interest on the auto loan.

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 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is ignoring my power of attorney documents. 
I subbmitted power of attorney documentation to citibank over a week ago ( received on XX/XX/2020 ). They have not responded. When I call, I am told that they need to speak to the account holder -- that would be my XXXX year old father who has XXXX. I have power of attorney, they do not need to speak to my father. They need to process the power of attorney documents. My father is unable to pay his rent and other basic necessities. I need the ability to write those checks for him. His credit card is being declined because he's not paying the bills.

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 2020-09-08 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: Convergent Resources, Inc.
State: IN

Complaint narrative:
When the bill was paid, it was stated that it would be totally deleted from the 3 credit bureaus and has since only been deleted from XXXX. Creditor stated it would be deleted with 45 days of it being paid.

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 2020-09-08 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:
There is an account in question, which was charged off in 2019. XXXX XXXX is asking me for payment on the account and claiming that I am a joint account holder and owe the debt. This is not true, I am only an authorized user. I asked them to send me a copy of the original application for the credit card, which should clearly outline my relationship to the card, but XXXX XXXX claims that they no longer have access to the original application. They are continuing to report the debt to the three credit bureaus and it is hurting my credit score.  I am asking XXXX XXXX to furnish a copy of the original application and provide evidence that I am a primary account holder, if they can not do that, or refuse to do that, then I am asking for this debt to be removed from my file and social security number and that the debt is removed from my records permanently and that XXXX XXXX report to the three credit bureaus that I am not associated with that 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 2020-09-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There is an account in question, which was charged off in 2019. XXXX XXXX is asking me for payment on the account and claiming that I am a joint account holder and owe the debt. This is not true, I am only an authorized user. I asked them to send me a copy of the original application for the credit card, which should clearly outline my relationship to the card, but XXXX XXXX claims that they no longer have access to the original application. They are continuing to report the debt to the three credit bureaus and it is hurting my credit score. I am asking XXXX XXXX to furnish a copy of the original application and provide evidence that I am a primary account holder, if they can not do that, or refuse to do that, then I am asking for this debt to be removed from my file and social security number and that the debt is removed from my records permanently and that XXXX XXXX report to the three credit bureaus that I am not associated with that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is an account in question, which was charged off in 2019. XXXX XXXX is asking me for payment on the account and claiming that I am a joint account holder and owe the debt. This is not true, I am only an authorized user. I asked them to send me a copy of the original application for the credit card, which should clearly outline my relationship to the card, but XXXX XXXX claims that they no longer have access to the original application. They are continuing to report the debt to the three credit bureaus and it is hurting my credit score. I am asking XXXX XXXX to furnish a copy of the original application and provide evidence that I am a primary account holder, if they can not do that, or refuse to do that, then I am asking for this debt to be removed from my file and social security number and that the debt is removed from my records permanently and that XXXX XXXX report to the three credit bureaus that I am not associated with that 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