vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We opened 3 CDs at San Francisco Federal Savings and Loan Association ( SFS & L ), two on XX/XX/XXXX and one on XX/XX/XXXX. We didn't do anything with them until XXXX, XXXX when we came across the bank books and tried to find out where the money is. The SFS & L has changed hands several times becoming XXXX XXXX, then XXXX XXXX, then XXXX, and is now owned by Citibank. We contacted Citibank, who claims no knowledge of our accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filed a dispute with Bank of America on XXXX.i informed Bank of America that I am disputing their claim.moreover I requested that Bank of America supply me with copy of the contract with my authentic signature.Bank of America never provided a copy of contract with my authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally Bank of America failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a find of XXXX dollars

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Money Services, Inc., d/b/a Texoma Finance
State: OK

Complaint narrative:
On XX/XX/2020, I sent the loan companies home office a message requesting to be placed on a {$10.00} a month payment plan due to extended closures of businesses from covid19/coronavirus outbreaks after I contacted the loan company by phone to setup the minimum payment of {$10.00} that I could/can afford to pay without any penalties during a time of the Worldwide epidemic virus outbreak. 
On XX/XX/2020, XX/XX/2020, and XX/XX/2020, my payments to the loan company of {$10.00} as scheduled were either paid in office, left in the night drop, or sent by USPS on time and the company still chose to contact me to collect for more and/or send a notice of payment due after excepting my minimum payment arrangement up until my account is paid in full. 
On XX/XX/2020, the loan company sent me a notice of delinquent account options that I picked up at my mailing address on on XX/XX/2020 to contact them and that court costs and attorney fees in the filing of lawsuit and garnishments usually exceeds {$300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29 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: CO

Complaint narrative:
It's the 3 credit bureaus especially trans union I request my consumer report about 2 years ago I never received it so last week XX/XX/2020 I get a card in the mail saying I have 7 inquiries on my report I haven't required about anything so I responded on the back of the card I have a credit freeze on the 3 bureaus but when I try to call in to any of them they say they can't help me at this time and hang up. The begining of XXXX I tried to get a credit card online went on the website to release my freeze they replied not at this time so I can't talk to anyone on the phone or online so I'm wondering is someone using my information and I asked them to please use my whole name and they won't I have no trouble online with XXXX  XXXX  I can communicate online with them but to call they give me a run around they need face recognition

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK

Complaint narrative:
I have honored my agreement to pay {$10.00} a month every since I advised the actual loan company and their corporate home office of the minimum payment that I could afford to pay based on being affected with the effects of corona virus/covid 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account Number XXXX I logged in to check on my credit report to find an account in collection for the amount of {$110.00}.

This should not be reflected on my credit report and is inaccurate information.

Any previous medical bills were paid off by my health insurance at the time and I was specifically informed by the " Original Creditor '' that I have nothing owed beyond what insurance has paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I have submitted letters in writing, over the internet and through apps to have inaccurate and false information removed from my records. Some have been removed, others have failed to reply, some information is still showing despite being proven invalid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: Central Portfolio Control Inc.
State: NE

Complaint narrative:
I received a notification that a collection account was placed on my credit report by XXXX  on XX/XX/XXXX by a debt collector CENTRAL PORTFOLIO CONTROL. I was previously contacted by CENTRAL PORTFOLIO CONTROL in XX/XX/XXXX for a debt that did not belong to me. I contacted CENTRAL PORTFOLIO CONTROL personally at their call center and verified that they have the wrong person. They were unable to validate any account or provide any signature at my request. I sent them a cease and desist letter via certified mail with return receipt on XX/XX/XXXX. In response to my cease and desist letter, the debt collector placed a fraudulent and negative account on my credit bureaus report. Prior to this my credit score was over XXXX and I have no negative entries on my credit, nor do I owe any money to this debt collector. I have asked the Credit Bureau Agency to remove the fraudulent account and this has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: ID

Complaint narrative:
I have submitted letters in writing, over the internet and through apps to have inaccurate and false information removed from my records. Some have been removed, others have failed to reply, some information is still showing despite being proven invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: ID

Complaint narrative:
I have submitted letters in writing, over the internet and through apps to have inaccurate and false information removed from my records. Some have been removed, others have failed to reply, some information is still showing despite being proven invalid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I received a notification that a collection account was placed on my credit report by Experian on XX/XX/XXXX by a debt collector XXXX XXXX XXXX. I was previously contacted by XXXX XXXX XXXX in XX/XX/XXXX for a debt that did not belong to me. I contacted XXXX XXXX XXXX personally at their call center and verified that they have the wrong person. They were unable to validate any account or provide any signature at my request. I sent them a cease and desist letter via certified mail with return receipt on XX/XX/XXXX. In response to my cease and desist letter, the debt collector placed a fraudulent and negative account on my credit bureaus report. Prior to this my credit score was over XXXX and I have no negative entries on my credit, nor do I owe any money to this debt collector. I have asked the Credit Bureau Agency to remove the fraudulent account and this has not been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today XX/XX/2020 XXXX XXXX. I requested my free annual credit report from Transunion and was in the process of disputing accounts over 7 years, incorrect info, and viewing the rest of my report. Then the page closed or timed out. Not sure how as I was typing my dispute. I tried to get back into my credit report and Transunion claimed that they could not validate my identity after validating it he first time. I have filed several disputes and they never get resolved as the other bureaus. Transunion is practicing outside of the laws and regulations involving credit reporting. I am a public service worker in the process of getting my student loans forgiven and they report them as potentially negative accounts. Some accounts were settled and over 7 years and they refuse to removed them from my credit report There are hard inquires which I did not authorize and Transunion refuses to remove them from my credit report. This is against the law and I am very tired of Transunion. Please resolve the issues or I will have no choice but to seek legal council. 

Thank you. 
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 2020-08-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have sent several complaints to Experian and XXXX  about fraudulent accounts and inquiries ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  ), Fraudulent Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX/XXXX, XXXX/XXXX. Please stop closing these complaints and not investigating my claim. There is no credit repair company helping me I, XXXX XXXX is the only one disputing this fraudulent charges and inquiries. Existing complaint numbers XXXX, XXXX, XXXX. My job and top secret clearance is in JEOPARDY because of these fraudulent accounts and Inquiries. I have to provide for a family of 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 2020-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I request a order to show case after I received a ganishment notice by a company called Calvary Portfolio Recovery. I never Knew about this debt. after sowing to court and challenge the attorney to very the debt we got schedule to trial on XX/XX/XXXX, XXXX on XX/XX/2019, I express that the day they claim such credit Card was open I was traveling to XXXX XXXX XXXX 
The attorney Representing the Company Vacated The case however this debt still showing in my credit Report. 
Here is my Question this debt was not verify how can I get it verify or remove from my creit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
6. Pursuant to Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Act, HOEPA, BEFORE YOU CAN COMMENCE ANY LEGAL ACTION, YOU MUST SEND ME A 30-day NOTICE THAT YOU ARE COLLECTING A DEBT.

7. You and your associates bear the burden to organize the information submitted to you on my letter dated XX/XX/2020 received by your Account Services department via Registered Mail No : XXXX XXXX XXXX XXXX US.

8. MY NOTICE preceded your alleged lawsuit and you therefore are not entitled to commence a legal action against me.

9. More specifically, you never qualified any answers to the question ( s ) /statement ( s ) : Was this loan originated in lawful compliance with all federal and state laws, regulations including, but not limited to Title 62 of the Revised Statutes, RESPA , TILA, Fair Debt Collections Act, HOEPA and other laws? 
10. Since you did not answer this question with specificity, how did you commence a legal action against me?

11. Based upon your responses, to my QWR, you have not made it possible for me to ; Identify your methodology of accounting.

Access the manner or method of transfers/sales and whether or not they were lawful Determine whether or not you are the lawful and or legal holder in due course of said instruments, which is required to be in compliance with Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Act, HOEPA and other laws That each servicer and or sub-servicers of my mortgage are in compliance with Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Act, HOEPA and other laws That the mortgage accoun
t has been properly credited, debited, adjusted, amortize and charged correctly and in strict compliance with Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Act, HOEPA and other laws 12. You never responded to my qualified written request for proof of claim.

13. Your copy of the note was not what I had asked for as required by law and I am hereby notifying you that you have exhausted your administrative remedy and do not have the right to file suit against me.

14. By your inability and unwillingness to stipulate that you are : A. A Note Holder in Due Course B. Creditor of the Instrument as you can and has not provided GAAP book entry debt evidence of the transaction and the accounting.

C. Provide me with a wet ink signature original note as required by law.

SEE ADDITIONAL RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: NY

Complaint narrative:
After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/20 and XX/XX/20. This will be my 3rd attempt writing Transunion. They have failed to verify and delete these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I attempted to redeem some series I savings bonds at citizens bank. I am a account holder and I have redeemed savings bonds in the past, the most recent being XX/XX/2019. I was told that this service was no longer being offered. I was referred to the Treasury web site which clearly states that a person can redeem bonds at their local bank.

As I stated before, I was referred to the Treasury Direct website which states that you can redeem these bonds at your local bank. It also gives the procedure to send these bonds back to the Treasury dept which then deposits the redeemed bonds plus interest into a bank account which you have to have to receive your money. I have been an account holder with this bank for many years through its three iterations first as XXXX, XXXX and finally Citizens bank. I was never given notification of the change of policy and I feel that it is very unfair at the least to not give notice until you try to cash the bonds. As it happens, I was counting on the funds that day to purchase a car and I could not wait seven days or more for the bonds to be sent to the Treasury dept and then for the funds to be deposited into my account two business days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/20 and XX/XX/20 I wrote Experian they failed to verify these inaccurate accounts. This will be my 3rd attempt writing Experian about my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: NY

Complaint narrative:
After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/20 and XX/XX/20 I wrote Equifax they failed to verify these inaccurate accounts. This will be my 3rd attempt writing Equifax about my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: FL

Complaint narrative:
I have been receiving written and telephonic communication from Maury Cobb Attorney at Law LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. They are trying to collect a debt for XXXX in the amount XXXX. The problem is I have NEVER had a XXXX account until they closed on their purchase of XXXX within the past couple of months. I had XXXX/XXXX   for over 20 yrs until I changed over to XXXX in XXXX of 2019. I have a son who has the identical same initials as I though his middle name is different. I have lived in XXXX XXXX for 19 yrs  he has lived in XXXX XXXX about 4 yrs. previously he lived in XXXX and XXXX. Previously I have lived XXXX and XXXX. I spoke to my son he said previously that he has had XXXX XXXX. Could not remember when though. He said it has been quite a while ago while living in XXXX or XXXX. I have written to Maury Cobb Attorney at Law LLC. I have also talked to them on phone several times. They never responded to my written requests and on telephone have been very nasty and said that they have my name do it is mine and hung up. In addition this is showing my under collections on my credit report and is negatively affecting my credit score. The past 6 months I have been attempting to correct this mistake and they have refused to correct it. I am trying to clean up my credit acct. I have no late payments and currently current on all the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: CORELOGIC INC
State: TX

Complaint narrative:
Core Logic / Credco accessed my credit report without permissible purpose. I sent two letters with my SS # requesting the authorization used to access my credit. I receive form letter stating there is not enough information to process my request. Form letters are the norm of large companies.

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