vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-14 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: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a five disputes to the following credit companies. XXXX XXXX and TransUnion, dated XX/XX/2021 and the companies are not complying to their own policies in a timely manner.

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 2021-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial is reporting error that the final vehicle payment was over 30 days late. I did not own the vehicle and was under contract with the XXXX XXXX XXXX XXXX XXXX Florida and XXXX XXXX XXXX XXXX for the vehicle I purchased in late XXXX of 2019. 

I attempted on numerous occasions to compel XXXX XXXX to make the payment timely and could not afford to make the new payment in addition to the payment the were obligated to make to pay off the loan on the vehicle. I advised Ally Financial of the situation, yet they are reporting the negative information to all three credit bureaus and has thus far taken no responsibility to accurately report the information, which should be reported against XXXX XXXX XXXX XXXX XXXX, Fl given their contractual obligations to pay off the loan on a vehicle they owned.

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 2021-03-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a five disputes to the following credit companies. Experian, XXXX and XXXX, dated XX/XX/2021 and the companies are not complying to their own policies in a timely manner.

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 2021-03-14 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: Southern Management Systems Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX I contacted Citi Bank to close my checking account. At that time all funds became unavailable and I was told they would send me a check for the outstanding balance. 

It is now XX/XX/XXXX and I still have not received the funds from my checking account. 

I have contacted Citi Bank no less than 13 times ; 9 times via their online chat support and 4 times via phone. 

Each time I've been told the account has been closed and that funds would be mailed. However, I've been given different time frames for the issuance of the check ranging from " 1-2 days '' to " 30-60 days ''. I've also been told that the delay is due to a 'fraud hold ' for which I've contacted Citi Bank twice ; each call has taken at least 60 minutes to complete and each time I've been assured that the hold has been lifted.

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 2021-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
IM REACHING OUT And regards A IMPORTANT MATTER I Recently Applied For A Business Account In Got Denied Because I Notice that I Am in XXXX & XXXX XXXX XXXX, I WOULD LOVE to Explain What REALLY Happen To My Account. Ok I Did Work For A Former client & She Paid Me in A form of Payment method of A Money Order so I Deposit It To my Bank of America Checking Account Not aware That The Money order Was Mobile deposit In A Another Institution So Bank of America mark That The Money Order Was Fake In Close Out My Account Out I Was Not Aware That the Money Order was already deposit To Later On Because I made several call Around. SO Im Asking For your help!

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 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC
State: MD

Complaint narrative:
I had a debt filed by XXXX a couple years ago. I disputed this debt, as XXXX was in violation of our contract. I won the dispute, and all collections were removed from my credit reports. 

Fast-forward to XX/XX/21, and I receive a notice from a third-party collection agency ( Mountain Run Solutions LLC ) alleging that they have purchased this debt from XXXX, despite it having already been disputed and settled years ago. The notice from Mountain Run Solutions was dated XX/XX/21, but I did not receive it in the mail until XX/XX/21, leaving me with only 4 days to file a formal dispute. So I disputed the debt with them on XXXX via the email address provided on the notice, and Mountain Run Solutions acknowledged receipt of my dispute on XX/XX/21. 

On XX/XX/21 I received a text message from Mountain Run Solutions stating that they were going to report the debt to the credit bureaus if I do not pay them by the next day ( XX/XX/21 ). I told them that they can not purchase and try to collect on a debt that has already been resolved. In response, they offered to send proof of the debt to my mailing address, to which I agreed and provided my mailing address. 

Today ( XX/XX/21 ), just 3 days after Mountain Run Solutions said they would be mailing me proof of the debt, I received notifications from XXXX and XXXX that new collections from Mountain Run Solutions have been reported on my credit reports. 

I believe Mountain Run Solutions has violated the Fair Debt Collection Practices Act, because ( a ) they purchased and tried to collect on a debt that has already been disputed and resolved in my favor, and ( b ) they acknowledged my dispute of the alleged debt held by Mountain Run Solutions and indicated they would be sending me proof of the debt, but instead of doing so they immediately reported the collections to the credit bureaus. I have all the transcripts of these conversations.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: Receivables Management Partners, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I have been trying to refinance my home mortgage from Citizens Bank to XXXX. I currently have a 30-year 4.75 % mortgage with Citizens and I'm trying to refinance with XXXX to a 15-year 2.50 % mortgage. I applied at both Citizens and XXXX to refinance. It took Citizens over a month to respond after reaching out to their Home Loan Officer. After getting paperwork signed with XXXX on XX/XX/2021, they have kept me up-to-date with everything along the way. The Loan Advocate with XXXX reached out to me on XX/XX/2021 to let me know that the last thing needed to close this refinance was the Payoff from Citizens Bank. She said she has been trying to contact Citizens since XX/XX/2021 but she continuously is told that she has to wait 5 more business days, then has to call again later to reopen another ticket. She called again on XX/XX/2021 and XX/XX/2021, when she says Citizens hung up on her. I called Citizens on XX/XX/2021 and I was hung up on when i tried to reach out. I took a half-day off work on XX/XX/XXXX to go in-person to speak with someone to make sure everything was taken care of. The woman I spoke to said XXXX would get an email within 20 minutes. The following day, the XXXX XXXX XXXX said that she did not receive anything from Citizens so I called their Mortgage XXXX phone number. I was on hold for so long I had to get off the line because my lunch break was over and the woman I spoke to said she would call me back. She did not. My XXXX " Lock-In Agreement '' expires on XX/XX/2021 and it should not be this difficult to close because the woman at Citizens said they " refinance all the time, this shouldn't be a problem ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
on XXXX i sent a validation letter to FCO, they failed to respond to my dispute. Under federal law this is a violation. i would like the removal of this alleged debt. 
As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.

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 2021-03-14 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: Waypoint Resource Group, LLC
State: AZ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
Someone at the XXXX XXXX XXXX XXXX XXXX XXXX La around XX/XX/2020 after filing early XXXX address stole my identity by creating account and linking bank account to my unemployment account from XXXX to XX/XX/2020 I have copys of reference number after access the credentials for that account stating that my identity was stolen I have to file taxes on something I wasnt even distributed due lack of security and privacy allow anybody any. Number any souls who provided my stolen information to allow XXXX for 6 months straight and never inform 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 non-monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have account with coinbase. I bought crypto currencies from this platform. For no reason coinbase have restricted my account. I am not able to manage my account. I have sent few complaints to coinbase and every time they created new case no, and are not resolving my problem. 
I feel very helpless as to what should i do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-14 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: Seattle Service Bureau, Inc
State: AZ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Please remove closed accounts from my credit report and unauthorized, unapproved and excessive inquiries ran on my credit. These are negatively impacting 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 2021-03-14 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: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on your credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: CONTRACT CALLERS INC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on your credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-14 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I had submitted several written disputes in regards to inquiries on my credit report I reviewed in XXXX XXXX and XXXX XXXX. I had reached out to Experian to dispute these inquiries listed below in regards to providing additional verifiable signed documentation or any hard documentations that tied me to these inquiries and when the results were sent back to me. They had informed me that they came back as accurate and verified, when I sent the written dispute I asked them if these inquires had come back as verified I wanted them to provide me the verified information and any documents that validate these specific inquiries. They were never able to provide any of these and when I called several times to their phone dispute center to speak to live agents they were very rude to me saying to go ahead and file a complaint with the Consumer Financial Protection Bureau. I kept informing the reps that without providing me with verifiable documentation this would fall under Experian reporting inaccurate information. I am asking for Experian to provide me information on how they concluded the investigation for each of these disputes and also any factual documentation and verifiable proof that connects me with these inquiries such as signed documentation, or contracts for these specific inquiries list below of the companies and dates of inquiries. 


XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I, XXXX XXXX XXXX, or XXXX XXXX, being one and the same person, am being sued by LVNV Funding, LLC, through a law firm c/o XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, MS , for a debt ending in account number XXXX. According to my records, I dont even have an account ending in XXXX. They are claiming that I owe {$980.00}, plus court costs of {$74.00}, which comes to {$1000.00}, plus post judgment interest at 8 %. The original debt they claim started with XXXX XXXX back in 2016. They havent provided a current statement to show exactly what bill this is ( supposedly an old XXXX account ). I dont, like I stated above, have any record or records of an account ending in XXXX. I believe this is a frivolous and possibly fraudulent claim to collect on either an old junk debt that the statute of limitations has expired on, or a debt that I dont owe. I feel like XXXXVNV Funding, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, MS XXXX, is/are using intimidation tactics to collect on a debt that I dont owe. They ( XXXX XXXX XXXX ) only attached a Plaintiffs Affidavit of Indebtedness and Ownership of Account to the Summons and Declaration. There is no bill for me to look at to see exactly what the amount is they are suing me for, and like I have stated earlier, I have no record of an account ending in XXXX. I would like for someone to please look into this for me, because I refuse to pay a debt that I do not owe, and Im certainly not going to being intimidated into paying it, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my 3rd complaint to CFPB on the same issue with Equifax, the most inefficient ineffective organization I have ever transacted with. I say that as a retired manager of auditing certified in the field. Equifax has failed to resolve an entry on their credit report perpetrated by an identity thief I reported to law enforcement. I say that as a retired fraud investigator certified in the field. This is dispute case # XXXX with Equifax. I am once again attaching the same letter by the merchant who submitted the fraudulent hard inquiry on their Equifax report in my name. In this letter the merchant says they asked Equifax to remove their inquiry from my credit report 9 months ago. Equifax has taken 60 days to do what they said would be a 30 day investigation and they have resolved nothing. I am going to report this on every consumer website I can find.

Company response to consumer: Closed with explanation