vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Best buy credit card through Citi Bank I changed bank accounts and DELETED my old bank account and added my new one yet their autopay still billed the DELETED account and racked up overdraft fees on my bank account. Almost {$200.00} worth! They even charged my card AFTER I called and told them there was an issue. They refuse to take accountability for their system flaw and keep blaming me. If I DELETE the account from my account it's a pretty big security flaw that they keep it on file and continue to charge it. Now I have to fight with my bank to see if I can get a 1 time reversal on the overdraft fees even though it's not my banks fault it's Citis! This is absurd.

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 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
So I have been getting harassing called phone calls from Bank of Oklahoma I get 14 calls a day all times of the day and the evening time I have tried to reach out to them and try to set up payments that I can afford I am unemployed due to the pandemic is still looking for work I have always been honest and sincere with this Bank they refuse to accept what I can pay monthly to them and I keep getting these harassment calls threatening calls threatening of harassment calls I am trying to fill this out and file a complaint against Bank of Oklahoma for harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHANGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. I REPORTED THE THEFT OF MY IDENITY TO THE FEDERAL TRADE COMMISSION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIVADAIT .PLEASE DELETE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: EQUIFAX, INC.
State: PR

Complaint narrative:
My complaint is with Equifax. I have applied for refinancing my home mortgage with XXXX XXXX XXXX XXXX. They need to have all three credit agency reports to process my application. I had previously requested a credit freeze with all three credit reporting agencies in about XXXX to protect myself from Identity theft and had a problem only with Equifax to lift my freeze. They told me that they could not lift my freeze without my answering the security question of : " When did you a apply for your credit bureau freeze? '' I believe it was in XXXX, when I was advised by XXXX to protect myself from Identiy Theft. Equifax asked me what month. I had told them on Monday, XX/XX/XXXX that I thought it was XXXX, when that was not the right answer, I said it could have been XXXX. That was not the right answer, so today I said XXXX. When that was not the right answer, I said that I will file a complaint with the federal agency which regulates them. Then the lady very nicely told me that I would not have this problem if I applied online to lift my security freeze. I was very happy to know this and I thanked her. When I went online to myequifax.com today, I was asked for my father 's middle name. My father 's middle name is XXXX, but I was told online that was not the correct answer. I am XXXX years old, and I have known that my father 's middle name is XXXX since I started kindergarten. How does Equifax know that my father 's middle name is not XXXX? I have had only one father my whole life! It should not be impossible to have my Security freeze lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had two XXXX XXXX  checking accounts. I owed XXXX XXXX a certain amount. Because my name was on the high school account they took money from their accounts to cover my debt. I have to be a signer on their account. So they should not be help responsible for my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NV

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report.To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NY

Complaint narrative:
7 Violations = {$7000.00} XXXX see attached documents ) According to the provisions of the Fair Credit Reporting Act 15 USC 1692g a- ( 3 ), a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. Assumed means not true or real : deliberately pretended or feigned : false, fictitious. The law DOES NOT state a debt collector or creditor can validate debt. The consumer is the ONLY PERSON, who can validate debt and you must furnish proof to the consumer including the application and/or contract with signature. This is a violation, based off recent disputes I have done with Transunion, multiple violations totaling {$7000.00} with a breakdown of {$1000.00} for each violation totaling 7. I have disputed, and this was not done at all. Instead, I have received updates via mail and online with the following message : The information you disputed has been verified as accurate. Verified with who? I, the consumer, have stated this debt is not mine and I have received NO documentation at all. You have violated my consumer rights multiple times. I repeat, I am the consumer, and the debt is not mine. I do not owe any of the debt mentioned above because I am the consumer, and I am not obligated to pay. 

In addition, according to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am, also, requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

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 2021-07-14 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: FL

Complaint narrative:
I have so many addresses on my reports none of them match i have been reaching to them about not having a suffix behind my name, there are a lot of addresses, names and etc that are not related to me. I am trying to get a position with the government and i have so many inquiries on my report that someone has gotten my information and applied for everything. I do not understand how there is not enough protection to protect our information and identity. please help me to start a new chapter of my life. I spoke with the bureaus and they said I had to report to you all to get the things removed off. I have reached out XXXX to get this handled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: FL

Complaint narrative:
I have so many addresses on my reports none of them match i have been reaching to them about not having a suffix behind my name, there are a lot of addresses, names and etc that are not related to me. I am trying to get a position with the government and i have so many inquiries on my report that someone has gotten my information and applied for everything. I do not understand how there is not enough protection to protect our information and identity. please help me to start a new chapter of my life. I spoke with the bureaus and they said I had to report to you all to get the things removed off. I have reached out XXXX to get this handled

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 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Someone walked into a Citibank branch office in XXXX XXXX, FL and withdrew money from my account. I live in XXXX. Its been over 30 days and Citi can give me no info on the progress of their investigation and the money has not been credited back to my account. I signed and hand delivered the return to the bank as well as faxed it back and mailed a copy back. Still no solution.

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 2021-07-14 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Hi XXXX  has shop around my credit report to five different banks without my approval. This happened on XX/XX/XXXX, XXXX.In addition, I have try to resolved the problem by sending letters but receive no correction to the matter. I'm sending two different screenshots from bureaus ... XXXX  has 5 inquiries and 6 on XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I originally disputed this complaint but it was marked as a duplicate- THIS IS NOT A DUPLICATE - This is one of several accounts that this company is financially harming me on my account. 

National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my credit, XXXX  , XXXX  and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 1. Date Opened is listed different on multiple credit bureaus. 2. This account XXXX Has FCRA Violation. 3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 3 different dates on each credit bureau. - Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact National Credit Systems and XXXX, XXXX, and XXXX  correct and remove this inaccurate info from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Back in XX/XX/XXXXI applied for a modification with wells fargo home mortgage Loan # XXXX balance on the loan was {$78000.00} i was not behind on my payments after wells fargo modified, my mortgage they also applied a 2nd # XXXX XXXX lien on my loan through HUD/XX/XX/XXXX in the amount of {$23000.00} using a XXXXXX/XX/XXXX to collect this debt. I was unaware of this until recently I had to sale my home do to unforseen hardship do to Covid 19 this debt brought on more hardship after finding out that wells fargo had done this to my mortgage causing me to pay double on my home I also happen to know they had done this to lots of families this is inmoral and show lack of protection to citizens. Wells Fargo should be held accountable to Exhibit integrity and humility I'm ask for assistance with a balance forgiveness also release of lien on my porperty, Thank you for your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX 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 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXXXXXX XXXX XXXX and I do not have a contract with SEQUIUM ASSET SOLUTION plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$770.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NV

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and I do not have a contract with PORTFOLIO RECOV ASSOC plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: FL

Complaint narrative:
I cancelled a XXXX  credit card in XX/XX/2021. The membership fee was waived and credited to the account the same month. The credit card company, XXXX XXXX XXXX, continues to report the account as delinquent. I have spoken to XXXX managers several time over the past 3 months to no avail. I have called both reporting agencies ( Transunion and XXXX  ) and they confirm that XXXX  is still reporting the account as delinquent.

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 2021-07-14 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: AZ

Complaint narrative:
I disputed XXXX XXXX XXXX with Transunion and TransUnion closed acct on XX/XX/2021 with a " Derogatory Remark '' negatively affecting my credit. Amount of {$520.00} was reported, however, original amount was {$570.00}, as I made 2 payments of {$25.00} which XXXX XXXX XXXX owes me a Refund of {$50.00}. Yet on XX/XX/XXXX & XX/XX/2021, TransUnion is still reporting the collections account. Despite that I sent them documents verifying the acct was paid by insurance 2 years ago. I filed a consumer complaint referenced in the attachment in regards to XXXXXXXX XXXX XXXX This should have never been submitted to collection by XXXX XXXX XXXX as they were paid per their contact with my insurance 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 2021-07-14 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: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I received a letter from midland credit I offered to settle the amount of my XXXX  XXXX card for XXXX dollars they agreed I sent in a letter stating this was the amount we agreed upon and If the check was cashed this debt was to be documented as paid Im there system once they cashed the check they called me and said I still have a balance of XXXX dollars and I told them I paid what we agreed upon and 2 weeks later they reported to the credit bureau that this account was in collections. I sent them copies of the check and letter as proof and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: MN

Complaint narrative:
My backround check on criminal history it lists the court file and charge then stats " no court record found '' so why are you still reporting it. Under my name A.K.A 's are listed and I have never heard this name ever so I want to know how or why your linking me to somebody I've never heard of. 
So if we aren't suppose to furnish personal information like our name how are you suppose to look into it and fix it???

Company response to consumer: Closed with explanation