vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 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: TX

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 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: TX

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-04 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: NC

Complaint narrative:
There are several unverified accounts on my report and the reporting agency refuses to remove the account or supply me with verifiable proof ( signed contract or other documents with my signature ) that the account belongs to me as required by the FCRA.

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 2019-03-04 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: NC

Complaint narrative:
There are several unverified accounts on my report and the reporting agency refuses to remove the account or supply me with verifiable proof ( signed contract or other documents with my signature ) that the account belongs to me as required by the FCRA.

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 2019-03-04 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: NC

Complaint narrative:
There are several unverified accounts on my report and the reporting agency refuses to remove the account or supply me with verifiable proof ( signed contract or other documents with my signature ) that the account belongs to me as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: FL

Complaint narrative:
On XXXX and TransUnion and XXXX Credit reports are 2 inaccurate 's which are 2 inaccurate accounts which are the 2 XXXX XXXX XXXX XXXX Accounts the first account list placed for collection when I paid the account balance in full It's listed on the account that I paid the account balance in full but should state it where the place for collections should say account balance paid in full the Second account balance is paid in full as well and it states it on the account both are inaccurates

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 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX and XXXX and Equifax Credit reports are 2 inaccurate 's which are 2 inaccurate accounts which are the 2 XXXX XXXX XXXX XXXX Accounts the first account list placed for collection when I paid the account balance in full It's listed on the account that I paid the account balance in full but should state it where the place for collections should say account balance paid in full the Second account balance is paid in full as well and it states it on the account both are inaccurates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
After disputing an auto account from Credit Acceptance they continue to verify the account as mine even though I have submitted the police report that outlines the account as not my liability. The reporting of this account is causing damages to my credit rating and my image. I will continue to take necessary steps to have this account removed from my credit reports and my responsibility.

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 2019-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
After graduating with my XXXX XXXX it took me about 6 months to continue with my XXXX XXXX at a university awaiting my approval and to save up money to continue at a big university. I never once received any mail or phone call that my account was no longer deferred until I got to the university and they said I might want to give XXXX a call, I called and found out that my accounts were 180 days past due and that my number was wrong and that my address was old. They told me the school should have let me know that my account was longer in deferment, how can you say that when you are the loan service provider. Long story short I received a job offer from a local agency the reason for me going to school and taking out any loans and they told me credit was showing delinquent. So I called XXXX and explained them my citation they didnt even care no sympathy even when I told them about my career choice and how 6 months working there they do school reimbursement that could even pay them back even faster than I could just correct credit errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was in a modification process & Wellsfargo bank purposely delayed the process of my loan modification and never got in contact with my lawyer office on any issues and never communicated with my bankruptcy lawyer. To make it more complicated they switched home Presavation specialist every month or so ... So I would get lost in the process & they also took me out of the loan modification process so they can quickly close my case and take the house

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 2019-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
Loan with Toyota Financial Services. Sold the car & paid off the loan. Even after loan paid off, Toyota Financial Services drafted the monthly installment payment out of my bank account. Website showed that call center is open after XXXX XXXX. " local time. '' I called in at XXXX EST this morning and got an automated message that the call center is " closed '' but that it's open at XXXX " local time. '' Obviously this is false. I need Toyota Financial Services to refund the monthly installment payment since the loan is paid off. Also, they should update their website and automated voice system to reflect the times that the call center is actually open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello. 
I have been CITIbank customer about 15 years. At the end of 2018 I was notified ( letter ) that my account is going to be closed. No reasons were specified, just stated that based on our agreement bank has right to stop service. I contacted with local branch manager but no explanation have been provided yet even she promised to reply. Then I have been notified that my XXXX XXXX and Home Depot membership would be terminated ( both sponsored by CITI ). I wrote to CITI complaint department to get explanation : what I did wrong, what rules or regulation were broken by me, but I have received response wich duplicate there initial statement without any reasons WHY my account was closed. 
as a result I had to open new account in another bank, recreate/transfer all my online payees to new platform, so many inconvenient things were done. Even though I don't need CITI service any more I am going to write one more letter to CITI to obtain explanation to their action.

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 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
On XX/XX/XXXX I sent a letter to LVNV Funding requesting validation of this alleged debt of {$700.00} they said I owed through a letter I received from them. My request for validation was completly ignored and nothing was sent to me validating this supposed debt. Then I wrote them again in XX/XX/XXXX, and received a reply from LVNV Funding d/b/a Resurgent Capital Services on XX/XX/XXXX stating my request for validation was " frivolous and irrelevent '' and " they refuse to investigate my request ''. I wrote them back on XX/XX/XXXX reminding them that they must validate the alleged debt as per the FDCPA or cease collection attempts and reporting it to the credit bureaus. On XX/XX/XXXX they responded saying they received my request and have enclosed their " account summary as verification ''. What they enclosed was a simple half page document made by someone on a computer, which by no means what so ever did it meet the requirements of legal debt validation. So I once again sent them yet another letter on XX/XX/XXXX again requesting legal validation. I heard nothing back from them. So again in XXXX XXXX XXXX I send a request for validation, and on XX/XX/XXXX I received a reply letter from them stating that they don't " believe '' it was me who prepared the letter requesting validation therefore outright refusing to investigate my request, again calling be frivolous and irrelevant. Over all this time they continue to report this alleged debt to all 3 of the major credit bureau 's as a derogatory and negative account against me, not ever reporting it was disputed. This has cause me much financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It's Fraud and should be handled as fraud for the inaccurate 's which are all the hard and soft inquires I haven't applied for any application 's so all of the hard and soft inquires are fraudulently on my Experian and XXXX  and XXXX  Credit Reports by my XXXX XXXX adult son who applied for application 's which cause buniesses to do hard and soft inquires all are of his fraudulently applying on application as me my XXXX  XXXX son XXXX XXXX hurts his reasoning and judgement he doesn't know due to his XXXX  XXXX that my name and social security number and my Experian and XXXX  and XXXX   credit scores are my own and only for my use due to his XXXX  XXXX hurting his reasoning and judgement I don't want to pursue criminal charges or law enforcement presents on the matter of fraud of the fraudulent use of my name and social security number and my Experian and XXXX  and XXXX credit report and scores

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 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
LVNV FUNDING has been non-compliant with removing the unverified account information. I sent letters because I have no knowledge of this account I sent them several letters no response. I sent an 611 letter to the credit report agencies to see if they would've had better luck one of the reporting agencies closed the account and reopened it and the others came back verified and I have yet to see and paper work with an signature or anything to show proof several laws are being broken and I have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX Unknown : XXXX Unknown : XXXX Unknown : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Unknown : XXXX XXXX XXXX   XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I closed my HSBC Online Payment Account in 2018. There was somewhere between $ 100- {$200.00} in my account at the time. Before closing the account, I updated my address to my current address. 

HSBC never updated my account and never sent the check for the closed amount. 

I have tried to resolve this with HSBC 5 separate times. Each time, after 30-45 minutes on the phone, they promise to send the check. 

They have effectively stolen these funds at this time. I am beyond upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
The issue is with HSBC Bank USA. I recently opened a HSBC Cash Rewards Mastercard in XX/XX/2019. I attempted to make my first payment on XX/XX/2019. It was reversed on that same day, but it did not reflect as such on my account for two weeks. The company also charged a reversal fee of {$25.00}. I called and HSBC claimed it was an issue with the bank. My bank said that there was never a withdrawal attempted, and I had a sufficient amount of funds. I called back again and attempted to make the same payment on XX/XX/2019. Now, there is another hold and the payment has not been made. I can not have a credit card that I can not make payments on, and it's hurting my credit! I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Hello, we purchased as home in XXXX. We just sold our home in XXXX. I have been researching the loan payments and how it was processed. There are discrepancies with the fees that were charged and how they posted payments. I contacted nationstar about this in early XXXX they s ed not me a detailed transaction print out for XXXX and I see several times we were charged 2 times for the same transaction. I tried to contact a Texas where they re located and they told me to contact my state. Do you know who I need to speak with and how I can go about this? 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Worked with the company to resolve this issue before ( CFPB : XXXX ), suggested by Corporate Consumer Relations that after a period of time, I will need to unlock the credit reports and the company re-affirmed that providing a PIN will not be able to obtain a credit line from Synchrony bank. Still getting denied and unsure how to resolve it as I have been strictly adhering to the given instruction I had.

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 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am XXXX  and currently in the process of buying a home. I am new to citi card simplicity and was given a pin number to withdraw funds up to XXXX. on XX/XX/XXXX I tried to withdraw XXXX cash advance to pay for an inspection and when I tried I was not given my full amount and my card was locked. I called into customer service to see why I couldn't withdraw funds and they were having trouble verifying my identity ... I verified my security word which no one in the world should know but the person that created it but I had a new phone number after I applied my account so I wasn't able to verify my phone number because I kept giving my new phone number ... instead of them confirming anything else with me such as birthday address name ss they wanted to confirm my identity by asking for another credit cards card number. I did not feel comfortable giving out that information they then told me they would mail me a letter with a security word and when I get that letter to call back and they can unlock my account. today is XX/XX/XXXX I have not received a letter and called again and they again told me they would mail me a letter and to call back I said this was not happening I need them to take care of it today. they would not confirm the address they mailed it to which I said how am I suppose to know it was sent to the right address without you confirming. I then asked for a supervisor and they hung up on 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