vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I was charged {XXXX} from XXXX XXXX for services that had not yet been provided. Then another {XXXX} in XXXX, XXXX and {XXXX} in XXXX, XXXX. This was all charged and the only services that were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told that I had a credit for a partial and when I went to get it, they told me that I owed another {XXXX}. I started pulling all the documents from my insurance and XXXX XXXX billed them for the same amounts. I should have only paid {XXXX} per my EOBs. I was overcharged by {XXXX}. I have contacted Genesis Credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been hung up on, talked over with no resolution. I have faxed 30 pages of documents 4 times showing I was overcharged and they said they never received my fax even though I have confirmation it went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX I initiated a balance transfer. I requested {XXXX} be transferred to my Citi XXXX XXXX Card from my XXXX  XXXX XXXX card. The transfer was marked complete by Citi on XX/XX/XXXX and {XXXX} was charged to XXXX XXXX Card. However, XXXX XXXX never received a payment from CitiBank. I called CitiBank three times and they told me to have XXXX XXXX open an investigation. XXXX XXXX stated they can not investigate a payment they were not notified was coming. CitiBank has elevated this as an investigation despite claiming it was not their fault. I verified all of the account information.

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 2022-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are accounts under my name that is a result of Identity Theft as well as unverified items wrongly placed in my credit report. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them.

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 2022-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon intense inspection of my credit file I found a total of XXXX ( XXXX ) errors and therefore XXXX ( XXXX ) violations TransUnion made against me . Proof of these errors/violations has been attached to this CFPB Complaint. These violations include but are not limited to ( as compared to other consumer reporting agencies XXXX & XXXX I am distressed that TransUnion had included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that credit reporting agencies ONLY report 100 % accurate credit information. Therefore every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated. 

TransUnions failure to positively verify these accounts HAS HURT MY ABILITY TO OBTAIN CREDIT AND I AM DISTRESSED. Under the FCRA, unverifiable accounts MUST be removed and if you are unable to provide me a copy of verifiable proof, you MUST remove the accounts listed below : I demand that the following accounts be VERIFIED or REMOVED immediately : 1. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 2. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 3. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 4. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 5. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 6. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX  Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is aggravated identity theft, there were XXXX student loan accounts fraudulently opened in my name without my authorization. XXXX for {$4000.00} and another for {$13000.00} with US DEPT OF EDXXXX XXXX For over XXXX months I tried several times to get matters escalated what their credit department. There were no proper verifications done at the time of opening in contracts nor do they have my signature on file. This is a violation of my consumer rights and this is unlawful to add these accounts to my credit report without proper verification or my authorization. I am demanding for these accounts to be immediately removed from my credit report as they do not belong to me and are a misrepresentation. According to our consumer rights, prior to these accounts being inserted into my report they should have been verified and analyzed for accuracy. This is my formal complaint, keep in mind I've tried several times of contacting the credit bureaus as well. I have proof of deletion from XXXX and XXXX. Experian originally removed it from my account on XX/XX/2022 and I have proof, yet they added it back onto my account which is unlawful. I'M DEMANDING FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT AS IT IS DAMAGING MY BUYING POWER AND CHARACTER AS A PERSON. 

I'm willing to seek legal help if these accounts are not removed immediately.

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything on my credit report has to be 100 % accurate. 
the credit Bureaus stated that my account was properly investigated on numerous occasions. how could that be possible if for XXXX XXXX with account number XXXX the account number is different on Experian from XXXX and XXXX, XXXX does not have an account type, the date open is inaccurate, the date last active is inaccurate, date of last payment is inaccurate and payment history is inaccurate on all three bureaus. 
Also, for XXXX XXXX with account number XXXX, the account type is inaccurate, the credit limit is inaccurate, the date open is inaccurate, the term is inaccurate, the past due balance is inaccurate, the credit limit is inaccurate, the date open is inaccurate, the date last active is inaccurate, and the date of last payment is inaccurate. 
these are grounds for removal, and they also violated my rights under 15 U.S.C 1681 section 602 A, which states that I have the rights to privacy. 15 U.S.C 1681section 604 A, section XXXX : Also states that a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX with account number XXXX and XXXX XXXX with account number 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 non-monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything on my credit Report should be 100 % Accurate. The Credit Bureau stated that my account was properly investigated and updated on numerous occasions which could not be possible when XXXX XXXX with account number XXXX has various discrepancies on all three bureaus such as inaccurate open date, inaccurate date last active, inaccurate account number, inaccurate account type, inaccurate date of last payment and inaccurate payment history and XXXX XXXX with Account number XXXX has inaccurate account type, inaccurate, inaccurate credit limit, inaccurate date last active, and inaccurate date of last payment. these inaccuracies are grounds for removal. 
They also Violated my rights under 15 U.S.C 1681 section 604A which states that I have a right to privacy. 15 U.S.C 1681 section 604 A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Experian refuses to remove all name variations, addresses and addresses I am not associated with from my credit report.

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 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
We will be experiencing financial loss due to the negligent actions of UWM ( our current mortgage lender ) due to their failure in servicing our current mortgage loan properly. For the last month, we have been requesting UWM provide us documented proof of our payment history as well as an active mortgage to show as proof to a new mortgage lender we are in good standing. They have failed to provide these documents despite nearly half a dozen requests to do so over the course of the previous 45 days.

We have deposited earnest money with a seller for a new property purchase, and paid for property inspections and appraisals, but due to UWM 's failure to provide us with any documented proof of payment history or account status, this has affected our ability to seek new credit. 

This issue arose as a result of my wife and I electing to use SCRA protections for military members. This offers a 6 month mortgage forbearance without accruing interest. in the process of leaving SCRA protections our mortgage lender apparantly messed up our account very bad, increasing out monthly obligations by {$500.00} and blocking us from making payments. Currently, these two errors have been resolved but they are failing to provide us with proof of our payment history and account status despite nearly a dozen requests over the previous month.

We have contacted a military attorney who submitted a formal demand letter to UWM around XX/XX/XXXX notifying them that discriminating against service members who have filed for SCRA protections is illegal and they continued to fail to provide the documents we have been requesting. 

One of our payment history documents provided was an empty document. There was a page that explained how the payment document was structured, and then the next page said " contact customer service if you have questions '' ... no payment history anywhere in the document. 

Our documents we have been uploading to their portal have regularly been getting deleted. I can not access a single document I've uploaded to their document portal over the entire course of our loan. 

Additionally, their " chat with us '' service reps have a very frequent habit of ending chat as soon as they actually look at our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Io, Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Receivable Management Services LLC for committing identity theft. I have never given Receivable Management Services LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from Receivable Management Services LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Receivable Management Services LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Receivable Management Services LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Receivable Management Services LLC continues its collection efforts, I will file for litigation for actual damages caused and Receivable Management Services LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: STERLING JEWELERS, INC.
State: AL

Complaint narrative:
I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: MI

Complaint narrative:
On yesterday XX/XX/2022 I called XXXX XXXX title claims and for about the XXXX time XXXX told me that XXXX XXXX XXXX has noted " end the call with you '' click. Today at XXXX eastern time I called spoke to XXXX and were very professional. She said yes you have a claim claim number XXXX but what is your name. I said XXXX XXXX then she said another name is here an amanze too. she said XXXX is handling your claim at the national claims office starts XXXX and she said it don't have to be XXXX you can talk to anyone that answers about your claim. I called XXXX XXXX spoke to XXXX and refused to help and transferred me to the Michigan office XXXX XXXX office and spoke to XXXX indicated she wanted to help but referred me back to XXXX XXXX and after asking me to hold she told me the she had been instructed by XXXX XXXX to end the call. 

Please Investigate and secure my claims they trying to hide from me or are giving to XXXX XXXX inside the property now and protected by them in the name of fraud.

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 2022-04-06 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: MI

Complaint narrative:
On yesterday XX/XX/2022 I called XXXX  XXXX title claims and for about the XXXX time XXXX told me that XXXX XXXX XXXX has noted " end the call with you '' click. Today at XXXX eastern time I called spoke to XXXX and were very professional. She said yes you have a claim claim number XXXX but what is your name. I said XXXX XXXX then she said another name is here an amanze too. she said XXXX is handling your claim at the national claims office starts XXXX and she said it don't have to be XXXX you can talk to anyone that answers about your claim. I called XXXX XXXX spoke to XXXX and refused to help and transferred me to the Michigan office XXXX XXXX office and spoke to XXXX indicated she wanted to help but referred me back to XXXX XXXX and after asking me to hold she told me the she had been instructed by XXXX XXXX to end the call. 

Please Investigate and secure my claims they trying to hide from me or are giving to XXXX XXXX inside the property now and protected by them in the name of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: CA

Complaint narrative:
There are accounts under my name that is a result of Identity Theft as well as unverified items wrongly placed in my credit report. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are accounts under my name that is a result of Identity Theft as well as unverified items wrongly placed in my credit report. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them.

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 2022-04-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
My name is XXXX XXXX. I have new information associated with prior complaint # XXXX. On XX/XX/2022, NAVIENT received a letter requesting information for the purpose of validating an alleged debt. It is now XX/XX/2022 and no correspondence from this company has been received. NAVIENT has purposefully ignored my request for validation of the alleged debts, thus violating my federal rights. NAVIENT is still illegally reporting negatively to all consumer credit reporting agencies, which is another violation. 
If documentation in the form of account ledgers, promissory notes, disclosures, etc are not received from NAVIENT, 5 days after receipt of this complaint ; it will be assumed that the alleged accounts are not valid and all collection attempts must cease. Also, all accounts must be deleted from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports

Company response to consumer: Closed with non-monetary relief