vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 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: CA

Complaint narrative:
On XXXX, 2019, I have found multiple student loan accounts that I have never used being reported on my personal credit report. XXXX, Equifax and XXXX XXXX were reporting identical fraudulent student loans on my credit report. 
After submitting identity theft report and a police report to remove false accounts from my credit report, XXXX  managed to remove all accounts except one, and XXXX XXXX removed all of fraudulent student loan accounts. 
But, Equifax is not removing any of fraudulent accounts from my credit report. I am certain that XXXX XXXX and XXXX  found accounts to be fraudulent accounts, so they have removed and block all of fraudulent accounts. I do not understand how Equifax is only agency found these false accounts to be correct accounts that are mine. 
I have requested many times to validate these accounts by providing hard copies that prove that accounts are mine, but Equifax and student loan provider are not validating these accounts ' authenticity. 
Accounts that were involved with identity theft crime are listed below. 

DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
I have sent letters to XXXX  and XXXX  and investigation took well over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: WA

Complaint narrative:
I am responding to request for feedback regarding ID XXXX - XXXX for I could not get your web site to function. This edited letter was sent to Citi Bank on XX/XX/XXXX : Note to CFP difficult to read. What does " Citibank can attempt to obtain a credit on your behalf by returned the charge to the merchant 's bank : however ... '' even mean? Documentation of our canceled flight on XX/XX/XXXX and flights for the foreseeable future has been sent to you many times. Is there a marketable item such as a non refundable ticket for a non existent flight? Additionally, because we disagreed with your resolution, you apparently reported us to XXXX, XXXX  and XXXX  even though all disputed funds were extracted through " autopay '', completely at your discretion, from our personal checking account. What senseless bullying - hardly reflective of a respected financial institution. 
Hoping for some comprehensive resolution here, 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 2021-01-05 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: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
I have sent letters to XXXX  and XXXX  and investigation took well over 45 days.

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 2021-01-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX, 2019, I have found multiple student loan accounts that I have never used being reported on my personal credit report. Experian, XXXX  and XXXX XXXX were reporting identical fraudulent student loans on my credit report. 
After submitting identity theft report and a police report to remove false accounts from my credit report, Experian managed to remove all accounts except one, and XXXX XXXX removed all of fraudulent student loan accounts. 
But, XXXX  is not removing any of fraudulent accounts from my credit report. I am certain that XXXX XXXX and Experian found accounts to be fraudulent accounts, so they have removed and block all of fraudulent accounts. I do not understand how XXXX  is only agency found these false accounts to be correct accounts that are mine. 
I have requested many times to validate these accounts by providing hard copies that prove that accounts are mine, but XXXX  and student loan provider are not validating these accounts ' authenticity. 
Accounts that were involved with identity theft crime are listed below. 

DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/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 2021-01-05 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2021-01-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Reference XXXX XX/XX/2020 LETTER OF DISPUTE I disagree with the outcome of the dispute with XXXX XXXX XXXX for the amount of {$650.00} posted on XX/XX/2020 on my XXXX Chase XXXX account. 

On XX/XX/2020 Ive made two purchases with different XXXX XXXX for the amount of {$650.00} using my XXXX Visa card one of the transactions was made with in store purchase ( XXXX  XXXX  XXXX ), another one was made using XXXX XXXX ( XXXX  XXXX  XXXX ). Both charges were for the XXXX XXXX XXXX  which Ive purchased but had to return. 

While XXXX  XXXX  XXXX transaction was properly refunded as shown on my account, XXXX XXXX XXXX wasnt refunded even though the return was completed via XXXX Tracking XXXX XXXX XXXX on XX/XX/2020 within XXXX Return & Refund policy. Please consider supporting documents attached. 

On XX/XX/2020 Ive received a message from Chase, stating that my billing dispute was closed because the merchant is already issued a refund, which isnt correct, because XXXX XXXX XXXX didnt refund {$650.00} back to my account. 


Therefore, Im kindly asking to reopen a billing investigation, consider all the supporting documents attached and credit back {$650.00} back to my account. 




Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have a late payment on my account because I attempted to pay it online using the portal that the company offered but I had repeated problems with the portal when trying to enter my payment. After a couple days of trying i called the number when i had time and made a payment over the phone It was late but not 30 days late but i now see my report and i now have a 30 day late payment on my report from that company from that month. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not only not 30 days late but it was caused by a problem with the portal. Thanks

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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I have received a debit card from Citibank, a bank I do not use. I called them and they told me that there was an account opened under my name and with all my personal information. 
that account was opened on dic XXXX. I was out of the country at that time. I told them to cancel the account. 
the problem is that who ever did this has all my personal information SS, address, phone number, everything. 
Please tell me what else can I do to report this

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 2021-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
I took out a small personal loan with Possible Finance over the summer. I have their app as this is the only way to use their services. When using the app, you are given the option to create a payment arrangement if you need to change the repayment dates of your balance due. Due to being financially affected by COVID 19 - I live in California and it has been bad here - I went on their app and made a payment arrangement that was approved by them. My loan was current at the time I modified my payment plan. 
Upon checking my credit report, I found that Possible finance reported late payments on my credit due to a few of my payment dates landing after the 30 day timeframe of an otherwise " on time '' payment. 
I reached out and spoke with a representative named XXXX who advised that being that I did not specifically sign up for their forbearance plan, which I had no knowledge of as this was not advertised at all anywhere on the app pages. I found out that you have to search the FAQ section in order to locate this info, that they can report late payments to my credit report even if I was current when I created the alternate repayment schedule through their app, because it was passed the 30 days. 
Per the Cares Act, if ANY accommodation is made in relation to repayment of the loan, ( for example, partial payments, forbearance, modifying, or any other relief ) Under the cares act, when a creditor agrees to a new payment plan with a consumer who was current at the time of the new arrangement, the creditor must continue to report the account as current. My account has since been paid off, and I find it absolutely disgusting that during this time, a loan company would be so determined to add to the ruin of people by not following the law. They claim that I was not current due to the payments being scheduled after the 30 day threshold, which is not accurate. 
My payment history with this lender needs to be updated to all current payments, and paid in full. The negative payment history needs to be removed immediately per the CARES act, that they keep ignoring. I have provided them with the information from the act, but I was told I was wrong. 
Report my account as current, and remove the late payments from my payment history!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: WA

Complaint narrative:
My father and I each get a random phone call from from a local phone number ( XXXX ) XXXX. My father answers his phone and the person on the other end says he's trying to contact me. He gives my father a call back number, ( XXXX ) XXXX. I call the number. The man who picks up says his name is XXXX XXXX, but he doesn't have a debt collector ID number. He says I owe a {$310.00} debt with U.S. Bank from the year 2010. He mentioned possible litigation if I don't resolve the issue immediately. He also had my name, date of birth, and last four digits of my social security number. I feel as though it was a fraudulent attempt to try and steal money from me.

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 2021-01-05 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: GA

Complaint narrative:
I am suffering from identity theft crime, and the problem was reported to the creditors and to the credit reporting agencies. Reported companies are ; 1. XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX and XXXX XXXX Because fraudulent accounts were made using my personal information, the accounts were being reported on my credit report. I simply requested all accounts made without my authorization to be removed immediately from my credit report. 
During the request of removing false accounts from my credit report, i have requested few documents from the creditors in order for me to inspect how these accounts were made. The requested documents were A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account The creditors never provided me with hard copies of these documents, and credit reporting agencies never provided me their method of verification after the request. 

Both parties are in violation of FCRA and Fair Debt Collections practices act.

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 2021-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I did a Wire transfer two months ago with Bank of the West for the amount of XXXX Then a few days later they call me and asked for more information to complete transfer so at that time I asked them to refund the money back since it was to much of an issue then the person that was dealing with this transfer told me that they still wanted the other person info if not they were not able to refund my money back so two weeks ago provided the information that they requested but still no refund

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LCO Financial Services, LLC

Complaint narrative:
On XX/XX/XXXX, an ACH Deposit was made into my bank account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1000.00} by BlueTrustLoans, run by Hummingbird Funds, LLC. I did not, nor have I ever, made a loan request to BlueTrustLoans. 

On XX/XX/XXXX, I noticed this deposit after reviewing my bank account. I called and spoke with 2 separate customer service representatives at BlueTrustLoans. The second customer service representative assured me that a fraud investigation would be opened and I gave them my full name, the name of my bank, and my account number. I was told that they would do the investigation and call me back the same day. They never called. 

When XXXX XXXX lobby opened, I called them. I gave them the ACH transfer number of the deposit from BlueTrustLoans and they investigated with their ACH department and found that the intended recipient had transposed a number in their own bank account and had erroneously used mine in their loan application instead. The bank informed me that they would reverse the transaction by EOB. My records show that this reversal was successful. 

The same day I froze my credit with the 3 major credit bureaus. 

On XX/XX/XXXX, an ACH Withdraw was made from my bank account with XXXX in the amount of {$150.00} by BlueTrustLoans. 

On XX/XX/XXXX, I noticed this withdrawal after reviewing my bank account. I called BlueTrustLoans to find out why money had been withdrawn from my bank account, but as I do not, and still do not, have an account with BlueTrustLoans they could not help me further than calling my bank with me on the line, even after giving them my name, my bank 's name, and my account number.

As I contacted BlueTrustLoans outside of my bank 's operating hours, they could not do anything other than promise a callback in the morning, where we would contact my bank together to get to the bottom of this issue.

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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
Continually being chrged XXXX by XXXX XXXX and was recently charged XXXX by 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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have frozen my credit with all credit reporting companies. I have tried to login to both Experian and XXXX to check my account and to change my password. I am unable to login to my accounts. Both companies say that I have no accounts with them. This does not make sense, as I know I froze my accounts. I tried contacting the companies via their website but could not go forward since the companies do not think I exist. I tried calling their various numbers but since I do not exist I can not access my accounts. I am unable to get a live person in access to my account because talking to a person is not an option.

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 2021-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I spoke with a representative at transunion to inform them I was a victim of their data breach and inquires were added to my report that I do not recognize. Could not get the issue resolved.

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 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CO

Complaint narrative:
Hunter Warfield ( a debt collection agency ) is attempting to collect a debt which is not truly owed, and multiple attempts to clarify the situation with them and their client have been received with indifference and a lack of action to correct the situation. 

Hunter Warfield is collecting on behalf of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, CO XXXX ) where my brother was renting. He terminated his lease early after the landlord failed to repair a serious sewage issue which violated both Colorado State Law and the lease agreement. Despite this contract violation, XXXX XXXX charged him early move-out fees which they sent to Hunter Warfield for collections. 

I have attempted to clarify this situation on the phone and in writing with both Hunter Warfield and XXXX XXXX, however Hunter Warfield has refused to consider the veracity of the claim. I additionally disputed this claim with all three credit agencies who did not remove the claim from my credit report, despite my providing written documentation proving the claim was inaccurate. 

It's sad and unfair that the credit agencies automatically side with a collection company which has no proof other than their claim while I have provided copies of contracts and written communications proving there is no debt to be collected.

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