vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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: TX

Complaint narrative:
On XX/XX/2020 I submitted a letter to Experian That I was awarded within arbitration from the creditor of inaccurate information to account. Attached is a copy of dispute request sent to Experian along with Court document of awarded arbitration settlement. I received report back from Experian who in turn did not follow the agreed terms of settlement arbitration and per request has not deleted inaccurate information on my credit report with them. I advise by Experain that they attempted to investigate with creditor and or third party source which no evidence was found by either creditor or third party. Experian attached letter has requested me to reach out to creditor which not contact is available. Hence, reason of attached awarded arbitration settlement. I have requested that any and all items for such creditor be removed from my credit report.

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 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I initiated a transfer between bank accounts ( XXXX XXXX XXXX & Citibank ) on XX/XX/2020. Transaction was cancelled same day. 

On XX/XX/2020, the amount was deducted from my XXXX XXXX XXXX account. Money was never transferred to my Citibank account and the transaction shows that it has been cancelled.

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 2020-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$26000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2020-06-10 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:
XXXX Identity Theft Credit Monitoring notified me of XXXX XXXX XXXX   incorrectly reporting a {$700.00} collection account when I have never even heard of XXXX XXXX XXXX. I have never received a single phone call or a single letter from XXXX XXXX XXXX. This, of course, is in direct violation of the FCRA. 

XXXX XXXX XXXX reports XXXX  as the original creditor to Experian. This is entirely FALSE. I have never once been late with my XXXX   account which has always been in GOOD STANDING. 

In fact, {$0.00} balance is due as the actual balance of only {$6.00} which was not due until XX/XX/20 has already been PAID IN FULL more than two weeks in advance. The next regular bill is NOT DUE UNTIL XX/XX/20. 

Either I am a victim of IDENTITY THEFT or XXXX XXXX XXXX is fraudulently attempting to collect a balance that is NOT DUE. 

I called the number that Experian provided for XXXX XXXX XXXX and no live person answers. A recorded message repeated itself before the call disconnected. 

There is {$0.00} due to XXXX and certainly there is {$0.00} due to XXXX XXXX XXXX, whoever they are. 

I would like to know why they are fraudulently attempting to collect an amount that is not owed, why they have failed to send a single letter regarding their fraudulent collection effort and why they failed to make a single phone call regarding their fraudulent collection effort.

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 2020-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Creditors Specialty Service Inc
State: CA

Complaint narrative:
On XX/XX/XXXX Received letter of collections from XXXX regarding Metris Account XXXX ( last four digits ). Stating XXXX XXXX is attempting to collect a debt {$4400.00}. Not recognizing this debt, I called for further information and advised I do NOT recognize this debt. The representative stated she would request background information which should take 45-days. 

After phone call, I recalled a previous law suit from XXXX XXXX. I looked up my old paperwork and found the previously settled account with XXXX XXXX was also for the amount of {$4400.00}. This debt was settled and registered with XXXX XXXX XXXX XXXX, posted XX/XX/XXXX Case # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
SANTANDER CONSUMER USA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$26000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX Identity Theft Credit Monitoring notified me of XXXX XXXX XXXX   incorrectly reporting a {$700.00} collection account when I have never even heard of XXXX XXXX XXXX. I have never received a single phone call or a single letter from XXXX XXXX XXXX. This, of course, is in direct violation of the FCRA. 

XXXX XXXX XXXX reports XXXX as the original creditor to XXXX. This is entirely FALSE. I have never once been late with my XXXX   account which has always been in GOOD STANDING. 

In fact, {$0.00} balance is due as the actual balance of only {$6.00} which was not due until XX/XX/20 has already been PAID IN FULL more than two weeks in advance. The next regular bill is NOT DUE UNTIL XX/XX/20. 

Either I am a victim of IDENTITY THEFT or XXXX XXXX XXXX is fraudulently attempting to collect a balance that is NOT DUE. 

I called the number that XXXX  provided for XXXX XXXX XXXX and no live person answers. A recorded message repeated itself before the call disconnected. 

There is {$0.00} due to XXXX and certainly there is {$0.00} due to XXXX XXXX XXXX, whoever they are. 

I would like to know why they are fraudulently attempting to collect an amount that is not owed, why they have failed to send a single letter regarding their fraudulent collection effort and why they failed to make a single phone call regarding their fraudulent collection effort.

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 2020-06-10 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF EDUCATION/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 Company 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: LA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company 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 I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report.

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 2020-06-10 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: NV

Complaint narrative:
reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2020-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: TN

Complaint narrative:
On XX/XX/2020, I received a written notice from Allied International Credit Corporation, which was dated XX/XX/2020, with no postmark regarding an alleged debt in my name from XXXX in the amount of {$150.00}. I immediately called AIC Corp. at XXXX and spoke with XXXX. XXXX asked me to verify my address, which I did. Based on this he was unable to pull up my information. He then asked for my email address. I gave him my email address. But once again, he could not verify my information. He told me to disregard this notice. However, when I raised concern around an alleged debt being in my name and sent to my current address, he was unable to provide any additional information or reassurances that this debt would go away. I asked repeatedly for something in writing that would inform me that he was unable to verify this debt, but he refused. I then asked to speak with a supervisor. After a few moments, XXXX came back and said that they sole supervisor was in a meeting and would only be able to call me back. When I asked for the name of the supervisor that he allegedly just spoke to, he could not provide it, and instead had to " look up '' the name of this individual. XXXX informed me this his supervisor 's name was XXXX and that he would be calling me back within the hours of XXXX XXXX and XXXX XXXX EST on XX/XX/2020 to the number that I called in from. As of this writing, XXXX XXXX   EST, I have not received a follow-up phone call from AIC. I wish to dispute this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — Other type of mortgage
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: Ditech Financial LLC
State: NY

Complaint narrative:
My name is XXXX XXXX, on XX/XX/2011, I received an offer from Green Tree Bank ( 2nd. Small amount Loan ) They offered me to pay {$20000.00} as settlement in full on the account, and they will applied to our remaining balance of {$77000.00}, so I took the offer and it was sent by wire transfer the amount to Green Tree from my account in XXXX XXXX, the amount that they were requesting so I verified by phone with a Green Tree Bank specialist the amount and the receipt of the money, and they were supposed to send me a payoff letter or release the deed of trust mortgage, I waited and called many times requesting these documents but never sent me anything, Green Tree Bank closed their operations in U. S. 
I am still wondering how can I have the release, no one gives me an answer I called many times to explain this situation to many numbers, right now Im in a process to get an Home Equity Loan with XXXX but now they said that a have a Lien in the record of my property that needs to be resolved of $ XXXX which was the original amount of my mortgage with Gree Tree Bank, so that looks that they never process the payoff and release the deed, Im confused right now because I dont know what Im supposed to do, which company I should call. Green Tree bank was sold to Ditech bank. Ditech bank was sold to XXXX. I have called XXXX and they do not have any records, however, they are working with XXXX XXXX and XXXX XXXX. Please help me resolve this problem and get the release letter or remove the Lien. I will send you proof of the payment and the letter of the agreement we made in 2011. 
Please if any additional information is needed dont hesitate to contact me anytime to my cell phone XXXX or via email to : XXXX or XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX XXXX, 14 XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX, DEPT OF EDUCATION/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 Company 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

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 2020-06-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX XXXX, 14 XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Company 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

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 2020-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On or about. XX/XX/2020 I was looking at my XXXX  account and saw my husbands Walmart/Capital one card on my credit report. My husband and I spoke before about why my name was a authorized user on his card when I had my own Walmart/CapitalOne card with a higher limit of XXXX and his was only XXXX. I called XXXX  and tried to explain it to the while my husband was sitting there with me and I was advised to file a dispute that he said he could do for me I explained the situation and said my husband didnt want my name on his card my husband gave me the last 4 of his credit card and I told the man my last 4 Numbers I told him the XXXX # # was my card that card is fine my husband wants my name off his and gave him the last 4 of XXXX card thats all I wanted to do but I checked dispute report about XX/XX/2020 and saw it was deleted. I called Walmart/Capital one and asked about my card they sent me to fraud department after identifying who I was they said my card was closed due to fraud. I explained that it was not fraud and that I have payments that need to be made and I was told I couldnt make a payment on it either I told them Im trying to get my credit together and I dont want to miss any payments that can mess with my credit. I was told I can write a letter explaining what happened send 2 forms of ids and have it notarized. I had already applied for a social security card so I waited a few weeks it didnt come so I called Capital One again was again sent to fraud department and tried to explain my situation again and was hung up on at least 3 times finally talked to man at Capital one explained my situation again I was put on hold the man returned and said he would transfer me to another department I asked for the direct number so I could call he said wasnt one. I told him I was told by a lady in fraud department to fax info with 2 forms of ids and could I use my XXXX card he said no social security card and picture Id but I cant fax it I can only mail i t to Capital one XXXX XXXX XXXX XXXX XXXX Utah XXXX .i have just received my social security card and will try to get a letter notarized but my bank only has drive up  service but Im trying to get some answers here.

Company response to consumer: Closed with non-monetary relief