vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-12 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: FL

Complaint narrative:
I would like to file two FCRA violations against Equifax. On XX/XX/XXXX, Equifax got from me a ''Request For There Method Of Verification '' as pertains to an account that I allegedly had with XXXX  XXXX XXXX account number XXXX. I requested there method of verification as this account was not been reported accurately on my credit report and I asked them to delete it from my credit report but they refused and so I asked them for ''There Method Of Verification '' and once again they refuse to provide me with that information. With this complaint I am submitting proof that Equifax got my request for the method of verification on XX/XX/XXXX. XXXX. On XX/XX/XXXX I got a letter from Equifax stating that they will not investigate the matter further and that the matter is been reported accurately on my credit report AND THEY DID NOT INCLUDE THERE METHOD OF VERIFICATION AS REQUESTED OF THEM ON XX/XX/XXXX. 
This is a clear FCRA violation as the Fair Credit Reporting Act states that the credit bureau should provide me with there method of verification within 15 days of the request. 
I have uploaded a copy of the Fair Credit Reporting Act and highlighted the areas in which Equifax has committed a violation of the Fair Credit Reporting Act. 
The Fair Credit Reporting Act also states that if the account information is incomplete or inaccurate then the credit Bureau should delete the account from the person 's credit report. This account is incomplete as there is no payment/account information between the periods of XX/XX/XXXX and XX/XX/XXXX. The current status of the account is that the account has been paid off but this information is not reflected in the payment and account section. Equifax is unable to provide me with there method of verification and the Fair Credit Reporting Act states that if the item is unverifiable then it should be deleted. It seems as if they are unable to verify the matter as they are unable to provide me with there method of verification but refuse to delete the item from my credit report and that is illegal. I have highlighted the areas in which there is a FCRA violation. 
This is the final time that I will file a complaint against Equifax as it relates to this matter. This complaint will serve as evidence in a court of law that I brought the matter to Equifax and they did nothing about it. If Equifax fails to delete this item from my credit report then I will be forced to take legal action against them so as to recover damages

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On or about XX/XX/2021, I made a purchase on my American Express card with XXXX XXXX. I purchased the following : 1. Restaurant : {$30.00} 2. Oil Change {$49.00} I was charged {$120.00}. In fact, I should have been charged only {$79.00} in total. The problem was that XXXX mistakenly charged me twice ( 2x ) for the Oil Change Portion. Instead of charging me {$49.00} for the oil change, XXXX charged actually charged me {$99.00}. The Restaurant portion was fine : {$30.00}. The total charge was {$120.00}, but should have only been {$79.00} altogether. 

I tried contacting the merchant ( XXXX XXXX ), but there is no telephone customer service. I was unable to reach any customer service help at XXXX XXXX. 

I tried disputing this with American Express, but American Express does not understand the complaint. It summarily denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
My husband XXXX XXXX and I, XXXX XXXX are writing to report Mortgage Fraud. 

It was confirmed this year 2021, that we are/and for years have been victims of mortgage fraud ; because a bogus loan was created and sent to us by XXXX XXXX , and even though we did not agree with it or sign it, or return the paperwork after it came in the mail. 

Still, it was put into effect without our knowledge or permission. Our signatures were somehow applied, and this transaction was later presented to us, under the guise of a change in servicer, and transfer of a loan that, to our knowledge, we were already, actively making payments on. So now instead, we have been paying on a fraudulent loan for years. Our timeline is attached.

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 2021-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was impacted by XXXX data breach. Fraudster managed to open a checking, savings, money market and a credit card account with Sun Trust bank. I have received my XXXX  XXXX  comprehensive disclosure report and in it, I see that Sun Trust opened all these accounts without even asking for drivers license or any identification. They opened those accounts online with just SSN and Date of Birth and an old address where I lived in 7 years back. What kind of a bank does not do the basic minimum due diligence of checking the identity. My credit report shows that I have a mortgage and all my credit cards are showing a different address and still Sun Trust ignores all those fraud warnings and still opens those accounts. XXXX data breach impacted XXXX XXXX Americans and this happened in XXXX, we are in XXXX and look at the lax security practices followed by Sun Trust. There have to be some penalties for banks such as these which can not even do basic fraud 101.

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 2021-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I took out 3-4 consecutive payday loans at Check Into Cash in XXXX XXXX . She says I owe her a payday loan amount from past after I stopped requesting more loans. It's not possible to owe from past cuz if I don't pay off owed money, I wouldn't have been able to continue borrowing. They keep trying to deduct automatic from my XXXX XXXX account {$300.00}. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX. I contacted amerisave mortgage. I spoke with a XXXX XXXX. I was told a wonderful story. As they say all calls are recorded. I just lost 2 bids on 2 other house over cash offers. I was shopping around different mortgage companies. The part I m upset with. I was told I had to right now pay the XXXX. It was not only to get me a fha loan but to also get me a certified pre-qualified letter. If I didn't send the money now I wouldn't be eligible for an fha loan. Don't lie. I did contact the company v email. And I did post what happend on XXXX  XXXX. I was contacted by the company and never heard form then again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Received a text message from XXXX ( XXXX ) XXXX with the message 1ALERTS : Dear Fifth Third Member, we have received a XXXX Transfer request of XXXX $ to ( XXXX XXXX ). Not done by you? Review https : XXXX. I do not have a fifth third account so this is obviously falsified and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX is adding fees, and interest to a balance that should have ceased due to the pandemic and the president extended the cease on student loans. 
I am still getting emails, and XXXX is still calling my phone and my message number to harass me. 
It seems that nothing is being done to this company no matter how many times I file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Firm of Krisor & Associates
State: IN

Complaint narrative:
I have spoken to the Kisor Associates several times about payments. They stated that they have been receiving payments however I just was notified by a friend from a previous address I used but did not reside at they were taking me to court. The first notification was sent to my permanent address in XXXX. Now in XXXX they used an address I have never resided at, luckily my friend still resides there to inform me. The company wants to know my personal information which I believe is not necessary due to me paying them bi weekly,

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 2021-09-12 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:
TransUnion and XXXX are reporting a 30 day late payment on my XXXX XXXX  account. This account was never late. This is inaccurate reporting has caused my credit score to drop. Please update account status to current and remove late 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 explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I am being harassed, abused and mistreated by IC Systems Call Center Representatives who is constantly and repeatedly calling my phone number, harassing me and using profane language against me for a medical debt from XXXX XXXX XXXX, thats not my debt or account, and is the result of identity theft. The medical debt or account is not my account or debt. IC Systems is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law.

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 2021-09-12 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: CA

Complaint narrative:
Transunion is still reporting my XXXX  XXXX XXXX account ending in XXXX on my credit file I just received a letter from XXXX  XXXX XXXX stating that they changed the opening date of when I opened the account to XX/XX/XXXX  which then means that it is past the 7 year mark that it should be on my credit file and I now want it to be removed immediately from my credit file from all three credit bureaus please I will include a screen shot of the letter I received from XXXX 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 2021-09-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX and Equifax are reporting a 30 day late payment on my XXXX XXXX  account. This account was never late. This is inaccurate reporting has caused my credit score to drop. Please update account status to current and remove late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: AZ

Complaint narrative:
There is a chapter XXXX bankruptcy listing on my file and several accounts listed in the chapter XXXX listing, I want proof of this listing as I never recall filing this. Also unauthorized inquiries and an account that I was never late on. I am enclosing a letter of detailed explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: KS

Complaint narrative:
I received a letter on XX/XX/21 from American Coradius International LLC saying that I owe {$1300.00} on my XXXX account. It states that unless I notify them in writing within 30 days disputing the validity of the debt, they will assume the debt is valid. The letter states that they would accept {$990.00} as a partial payment by XX/XX/21. American Coradius International LLC is requesting that I make the payment directly to them ( instead of to XXXX ). 

I contacted XXXX and they confirmed that I have {$0.00} debit with them and have always had {$0.00} debt with them. They suggested I disregard the letter and not provide any information to American Coradius International LLC, as they believe it is fraud. 

I believe the letter I received from American Coradius International LLC to be fraud/scam or a case of identity theft and do not plan to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Credit Collection Services is in Violation of 15 USC 1692c ( c ) 2 & 15 USC 1681b

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: CA

Complaint narrative:
XXXX is still reporting my XXXX  XXXX XXXX account ending in XXXX on my credit file I just received a letter from XXXX  XXXX XXXX stating that they changed the opening date of when I opened the account to XX/XX/ which then means that it is past the 7 year mark that it should be on my credit file and I now want it to be removed immediately from my credit file from all three credit bureaus please I will include a screen shot of the letter I received from XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: CA

Complaint narrative:
XXXX is still reporting my XXXX  XXXX XXXX account ending in XXXX on my credit file I just received a letter from XXXX XXXX XXXX stating that they changed the opening date of when I opened the account to XX/XX/ which then means that it is past the 7 year mark that it should be on my credit file and I now want it to be removed immediately from my credit file from all three credit bureaus please I will include a screen shot of the letter I received from XXXX 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 2021-09-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I ordered an item on XXXX on XXXX XX/XX/2020. When the item came, it was nothing like the description. It looked very different. I contacted the seller, and they agreed to refund the item if I sent it back to them and took down my negative review. I sent the item back, and provided the proof of USPS certified mail. The item was delivered, however the seller refused to refund the item saying they never got it. I filed a chargeback with Citi on XXXX XX/XX/2020, explaining that the seller had falsely advertised an item, and was still refusing to refund my money even after I cooperated with returning the item.

I provided the proof of shipment to Citi, however they refused to take action, stating that there was nothing they could do unless I could have the seller tell them that they were willing to accept financial responsibility for the item. This was frustrating to me, as I had already shown them conversations with the seller stating they would refund my money if I sent the item back to them along with the proof that I had sent the item back. 

I contacted Citi multiple times in XX/XX/2020, explaining my problem to them and that it was ridiculous that they could only take action against a fraudulent seller if that seller admitted to fraud. Every time they gave me the exact same, word-for-word response that they could not do anything unless the seller told Citi directly that they would take financial responsibility for the item.

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 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: CA

Complaint narrative:
XXXX, XXXX, and Equifax are still reporting my auto loan with XXXX XXXX account number XXXX as open even though i paid in full on XX/XX/21 its already been almost 30 days and there still reporting this account as open it needs to be removed immediately from my credit file since I paid in full satisfactory

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: CA

Complaint narrative:
XXXX, Experian, and XXXX are still reporting my auto loan with XXXX XXXX account number XXXX as open even though i paid in full on XX/XX/21 its already been almost 30 days and there still reporting this account as open it needs to be removed immediately from my credit file since I paid in full satisfactory

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 2021-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I have a XXXX collection that was from identity theft. I notified the collection company.

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 2021-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am getting a new debit card in the mail. Its the weekend banks are closed today Sunday XX/XX/2021. I can not access MY OWN money from wells fargo because the phone number on file, which is mine, Is not verified and i can not access the digital wallet. I explained to them I have a XXXX  and Im trying to take out my money because we obviously cant starve. They told me wait until tommorow. I said no I want my money today. Wells Fargo couldnt verify my identity through the phone even though i provided everything, my social, my address, account number, phone number. So Im stuck here at home trying to borrow money from anyone since wells fargo doesnt let me take out my OWN money.

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