vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-13 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: NC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I 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 2021-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: AZ

Complaint narrative:
Overview : I was contacted by a collection agency ( GC Services ) about a sizable debt not owed by me. According to them, this debt is from a previous employer ( XXXX XXXX XXXX XXXX ), where I resigned 33 years ago back in XXXX. 

History of Interactions : I have had 3 calls with GC Services since their original call to me in XXXX. I have emailed written descriptions and verbally explained explained that I have nothing to do with that company because I resigned 33 years ago back in XXXX. 

I also pointed out that prior to my resignation, my role was XXXX XXXX XXXX and a minority shareholder. I was never a Director for this Company. 

The Missouri Department of Revenue ( MDOR ) has evidently contracted with GC services for this debt owed to the MDOR during the years between XXXX to XXXX some 20 years following my resignation. 

Additionally, on XX/XX/XXXX my wife and I spoke at length with GC Services ' XXXX XXXX. She asked that we go to the MDOR 's website to fill in Form # 126 ( Registration of Exemption Change Request ), to officially remove my name as an officer, since XXXX XXXX never did this back in XXXX. This was completed and emailed to XXXX XXXX XXXX XXXX and the MDOR. 

It should also be noted that GC services and MDOR, were aware that I resigned and abided by the Corporate bylaws by surrendering my stock ownership certificates back in XXXX. This, in fact, was a requirement of any officer who departs the business yet they are ignoring this information when they call and write. 

Their relentless insistence on claiming that I have ignored all their communications, couldn't be further from the truth. I have asked GC services in my last communication on XXXX to cease their unwarranted harassment, yet the phone calls continue. 

Please help me abate this unwarranted harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I 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 2021-06-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Good morning my name is XXXX XXXX. I am contacting this office because there has been incorrect updating that has been affecting my credit score. The negative impacts have been impacting me in a negative way in my current milestone I am trying to reach. I am currently buying my first new home and my credit has been an outgoing factor that has been causing a lot of stress during this time. My mother XXXX XXXX has added me to her XXXX XXXX and Home Depot credit cards which have been helping my score. Her score keeps increasing and it seems mine is taking quite some time or for instance decreasing which is why I am doing complaint. The issue that is happening is that my mother paid off a significant amount of the balance that was owed in both of these credit cards which made her score increase but not mine and now my credit decreased which has not happened before it always increases my score. My credit score was at XXXX and it decreased to XXXX from XX/XX/XXXX until present date. If your office can kindly review my account and complete the changes that need to be done like updating correctly so my score will stop being affected.

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 2021-06-13 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: NC

Complaint narrative:
XXXX XXXX XXXX  - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX  - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Bulk Purchase Finance - General Processors XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-06-13 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: NC

Complaint narrative:
XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: MA

Complaint narrative:
I got a letter from CBE Group roughly 6 months ago, stating I owed money to the IRS. That is another issue in itself that has been in remediation. I responded to the CBE Group with a debt verification letter, seeking more information, including proof that they were the authority in collecting the supposed debt. I received a letter back, reiterating the amount I supposedly owed ( again, I had already been in talks with the IRS as well ). I wrote back to CBE Group stating that since they could not verify or validate the debt, as was requested, then I would not be paying. That last communication was in XX/XX/2021. Yesterday- XX/XX/2021- I got another letter with the supposed amount owed. The IRS is listed as a " creditor '' on this letter. I wrote a response letter, again asking for validation/verification of debt, and stated that I would be filing a complaint against them with the CFPB. CBE Group failed to previously validate this debt, and are again trying to collect. This time, the amount is roughly double the original amount due to " interest '' and " penalty ''. Considering they never verified the original debt, I do not understand how it has almost doubled. 

Some things I added to the response to this most recent letter : - The verified amount owed upon your first contact with me - The age of the debt upon your first contact with me - A copy of the agreement with your client that grants you- the CBE Group- the authority to collect this supposed debt - A copy of any signed agreement that I have made with the collector, or other verifiable proof that I have a contractual obligation to pay this supposed debt - A statement that the debt is assumed valid based on my initial written response You are also in violation of interest installments and penalties. Having failed to previously validate the debt, you can not continue to charge interest or penalties. Please also correct the total amount of debt to the time you made first contact with me, and also provide the total amount on the debt that I first requested validation of this supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: NC

Complaint narrative:
XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-06-13 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX [ XXXX ] willingly refunded {$2800.00} [ Ref # XXXX ] to my XXXX XXXX Bank of America [ BOFA ] Visa Credit Card # XXXX XXXX XXXX XXXX for air fair due to 4 canceled cruises. XXXX was unable to refund the {$2800.00} back to my debit card because it had expired, so they refunded it to my BOFA card because I had also used this card for some payments on multiple [ canceled ] cruises in XXXX. On XX/XX/XXXX, BOFA illegally and fraudulently removed this credit from my account stating XXXX had disputed the refund. Upon discussion with XXXX, the dispute was denied and the XXXX accounting department denied receiving the {$2800.00} refund from BOFA. " XXXX '' from XXXX spoke with a BOFA manager in XX/XX/XXXX and the XXXX accounting department remitted a letter to BOFA reiterating XXXX had not received the {$2800.00} refund and that BOFA had to refund the money to me. XXXX also testified they had not received the {$2800.00} refund from BOFA in XXXX case # XXXX and that BOFA had to refund the money to my Visa account. 
In addition, BOFA Credit Card Agreement with XXXX XXXX states if a dispute is not resolved within 45-90 days, then the money in question must be returned to my Visa. [ See p. 12-13 and p. 17 of two attachments. ] The dispute should have been resolved no later than XX/XX/XXXX but still was not resolved until XXXX when BOFA ruled against me in XX/XX/XXXX. In accordance to the credit card agreements, because they took 180 days instead of 90, BOFA must refund the {$2800.00} to my Visa ending in # XXXX immediately. 

On XX/XX/XXXX at XXXX XXXX, XXXX called me and and again confirmed they still had not received the {$2800.00}, Ref # XXXX. Waiting on exact details of contacts adn will remit 3rd letter from XXXX upon receipt.

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 2021-06-13 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: NC

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-06-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
-Opened a CitiBank savings account Online early XX/XX/XXXX. 
-Total deposits of appx {$17000.00} were made by a Bank to Bank Transfer ( XXXX XXXX to Citi Bank XXXX 
-Prior to XX/XX/XXXX I was able to successfully withdrew 2 small amounts from the ATM using the Citibank supplied savings ATM card ( No more than {$500.00} total ). 
-On XX/XX/XXXX, attempted a third withdraw, at the ATM and the ATM machine indicated my account was unavailable. 
-Immediately ( XX/XX/XXXX ) I contacted customer service who advised me to call the Fraud department -I then contacted the Fraud Department, who advised me that my account was " in foreclosure '', but they could not tell me why or how to get my funds. They explained I would be contacted, by mail, in 30 to 60 days. -Over the next 60 + days, I have contacted CitiBank Customer Service ( XXXX ) and Fraud Department ( XXXX, Opt 2, Opt5 ) more than 15 times -Each conversation has resulted in the agent either explaining " 30-60 day by mail '' or simply hanging up. All Citibank representatives refuse to connect me with a supervisor or advise another contact point to help me understand the status of my account. 
-Prior to closure, my account had a balance of {$16000.00} -When I call the automated line now, my account balance is ( negative ) - {$16000.00} -My online access is deactivated and I no longer have access to my account number as of XX/XX/XXXX. 
-Through my 15+ discussions, I have been told various information from getting " a letter in 30 to 60 days '' to Getting a Check in 30-60 days, to being told I would not be getting a refund at all. My latest conversation, the customer service member indicated my balance was still in the account and had not been moved, but I can not verify that through any electronic means. 

Now after more than 6 months of attempts to regain my account and/or funds, and also filing a complaint with the OCC, I have received a letter from CitiBank saying they have determined the funds are not mine and they have closed my account and will not release any funds to me. The letter states the case is 'closed ' and they will no longer respond to any further inquiries. 

This was a very simple savings account with only 2 Bank to Bank Deposits for my daughter 's college savings. Now I have no access to the money and CitiBank has stolen the funds and will not return them. 

Attached files : Citibank Responses Claim to OCC and Appeal to OCC Evidence of Transfers from XXXX to CitiBank

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 2021-06-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX Reporters XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Mortgage Brokers XX/XX/XXXX Experian US SM BUS ADMIN ODA XXXX XX/XX/XXXX Experian  XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Installment Loans XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-06-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These companies have been doing and abusing individuals, first of all they allowed for companies to submit false information on my credit report and inquiries that I did not allowed. I am not able to log online to dispute or anything, they are always blocking me to get access to my own credit. This is completely unfair and unjust and these injustices needs to stop once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These companies have been doing and abusing individuals, first of all they allowed for companies to submit false information on my credit report and inquiries that I did not allowed. I am not able to log online to dispute or anything, they are always blocking me to get access to my own credit. This is completely unfair and unjust and these injustices needs to stop once and for all.

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 2021-06-13 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Good evening, I have dispute LvnvFundG for over 6 months. Repeatedly Ive asked for proof on how they have verified with the original creditor the account was mine and the proper steps they have taken to ensure they are reporting 100 % accurate information. Month after month they are certifying to the bureaus that the account information they are reporting is accurate. When in fact there are multiple errors reported for this account. Examples of what is being reported inaccurate. 
Date Account opened. 
Account status being opened. 
Past due amount. 
This information is different from the original loan agreement. I have demanded they provide me with the original document of this account as reporting inaccurate information is stopping me from obtaining credit. XXXX and XXXX were both unable to provide accurate information so they have removed this account. I question XXXX  how they have been verifying this information is accurate on my report and get no valid response.

Company response to consumer: Closed with explanation