vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: PA

Complaint narrative:
I have disputed the debt with the collection agency. The only result I get back is that it is accurate. I do not receive an explanation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
After carefully reviewing my credit report, I noticed a major error. There are DUPLICATE accounts with the same account numbers on my credit report. The following accounts are 1. XXXX XXXX XXXX ( Act Number XXXX ) 2. XXXX ( Act Number XXXX ) Under the provisions of the 1977 Fair Credit Reporting Act, I hereby request that your agency fix this issue immediately. This erroneous error is detrimental to my overall credit rating and has caused me severe emotional and financial distress. I request that you immediately remove the duplicate account from my report and send me an updated report after the duplicate account is removed.

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 2021-09-30 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: MA

Complaint narrative:
keep on lowering my score on debt that is not mine and have not added my statement to 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 non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I ordered floor mats from a 3rd party on XXXX. I never received the floor mats but I was charged my credit card. I tried to contact the company I ordered from but they did not respond. I then contacted my credit card company to dispute. They said the merchant said I signed for it. I told them that was impossible. I work for a company that all overnights are signed by the receptionist as it is our procedure. Also, on the day they said I signed it, I was at our other location that day which would make it impossible for me to sign. All I was asking for was a credit for something I did not receive. I submitted the request 2 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
After carefully reviewing my credit report, I noticed a major error. There are DUPLICATE accounts with the same account numbers on my credit report. The following accounts are 1. XXXX XXXX XXXX ( Act Number XXXX ) 2. XXXX ( Act Number XXXX ) Under the provisions of the XXXX Fair Credit Reporting Act, I hereby request that your agency fix this issue immediately. This erroneous error is detrimental to my overall credit rating and has caused me severe emotional and financial distress. I request that you immediately remove the duplicate account from my report and send me an updated report after the duplicate account is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
After carefully reviewing my credit report, I noticed a major error. There are DUPLICATE accounts with the same account numbers on my credit report. The following accounts are 1. XXXX XXXX XXXX ( Act Number XXXX ) 2. XXXX ( Act Number XXXX ) Under the provisions of the XXXX Fair Credit Reporting Act, I hereby request that your agency fix this issue immediately. This erroneous error is detrimental to my overall credit rating and has caused me severe emotional and financial distress. I request that you immediately remove the duplicate account from my report and send me an updated report after the duplicate account is removed.

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 2021-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL

Complaint narrative:
I used Moneygram Mobile wallet services to send {$170.00} to my mother in XXXX on XX/XX/2021 and the money was suppose to be made available within 4 minutes. However, today is XX/XX/2021 and the money is still not available for my recipient even though the receipt clearly states that the money will be made available on XX/XX/2021 or sooner. I called Moneygram multiple times about it but each time I'm told the only solution is to wait for up to 90 days for their investigation to be completed. Meanwhile, my mother is sick and needs the money ASAP to cover medical bills. I requested that the transaction be cancelled and I be refunded but they said it is not possible given the type of transaction. I want them to refund my money now or make the money available to my mother today and they should compensate me for the big inconvenience and unrealistic delays. 
The Reference number of the transaction is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30 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: Bridgecrest Acceptance Corporation
State: DC

Complaint narrative:
Bridgecrest claims that when my vehicle was totaled on XX/XX/XXXX the insurance check that was issued didnt cover the deductible hence leaving a current balance on my account I have disputed this with the credit bureaus this however isnt true that the deductible was not included in the settlement amount is actually was included before the settlement check was issued in the amount of XXXX was the amount that was settled however when the subtracted the XXXX dollar deductible it left the amount of XXXX that was paid to them included a gap check of XXXX including the XXXX deductible as well as Vehicle service contract refund in the amount of XXXX they still are holding me responsible for the XXXX that they claim my insurance didnt cover hence why the balance is still on my account reflecting current this has dropped my credit score and put me 60-90 days late on my credit report with XXXX and XXXX however this same account that is showing open with these two bureaus was reported closed on XX/XX/XXXX when it was back dated at the time of loss is now reopen and was opened XXXX and its only showing open from XXXX and XXXX however XXXX is still reporting this account as closed but my credit has dropped with them as well Bridgecrest either was informed of the deductible being taken out of my settlement check prior to payment or they werent but I know that I shouldnt have a balance left because the XXXX was overpaid by XXXX XXXX as well as deductible from the initial settlement amount

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 2021-09-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XXXX of XXXX  my property at XXXX XXXX XXXX, XXXX, MA was refinanced with Citizens Bank for a traditional mortgage in the amount of {$86000.00}. At the time I had two loans with Citizens, a home equity loan and a home equity line of credit. Both were paid off at the closing on XXXX XXXX, 2012. In the process of applying for a new home equity line of credit with a local bank a title search was done. The title search shows that two loans ( one home equity loan and one home equity line of credit ) which were paid of in XX/XX/XXXX  were never discharged by Citizens Bank. 

This has created a delay in the process of obtaining a new home equity line of credit and is impacting my family because part of the new home equity loan was meant to be gifted to a family member to use as a down payment on the purchase of a new home. Because of this issue everything is on hold at this time. 

I found out about this problem on Tuesday, XX/XX/XXXX, and I have since reached out to Citizens Bank multiple times. I have spoken with several people. I met with the local branch manager ( Greenfield, XXXX ) who helped as much as she could. My issue has been " escalated '' and I am supposed to hear from someone in the next few days, but I am running out of time. This needs to be resolved quickly. 

I have two reference numbers that might be helpful - a case # XXXX and a Customer Care ID XXXX. I can be reached at XXXX or through email at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
Chrysler capital has opened and closed my account many times just to keep this debt on my credit, they also are showing that this debt was set on 84 months and that loan was a 72 month loan. They are also stating that the last payment was in XXXX and the last payment was in XXXX. This account has been closed 7 years and I have disputed this account many of times. They charged this debt off in XXXX and it should have been removed from my account this year ( XXXX ) but it hasnt been able too because Chrysler capital has made failed statements on my credit about the account for it to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a XXXX XXXX Citi credit card and a Citi Miles Ahead Savings account. I tried to sign online to pay my credit card ( through the app and through a web browser ) and it asks/forces me to activate my savings debit card. I don't know where my savings debit card is. I've called Citi and they said the reason I can not login to my credit card account because I have to activate my savings debit card in order to gain access online to my credit card account ( pay the bill, etc. ). That is so wrong! Why can't I access my CREDIT card account when the issue is with my SAVINGS account. It's IMPOSSIBLE for me to access my credit card account online ( simply b/c I didn't activate my savings debit card ). I was forced to call Citi and get them to send me a new debit card ( b/c I don't know where my old one is ). I then have to activate the new savings debit card in order to access my credit card account online. I told the developer who told me what my problem was, and I told him that was a major issue. I doubt he ever raised the issue to management.

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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have submitted my Affidavit of Truth multiple times. Transunion has failed to respond. 

A Un-rebutted Affidavit STANDS AS TRUTH IN COURT. 

TRANSUNION has committed aggravated identity theft. TRANSUNION has committed fraud and has also committed more than 1000 violations under the FCRA. TRANSUNION is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 ) PROOF is attached TRANSUNION is now in default and agrees with the FACTS. 

I am XXXX XXXX and I am submitting this complaint myself AS THE CONSUMER NATURAL PERSON.

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 2021-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
i purchased a car in XX/XX/2021 through enterprise car sales. Financing was also through them using Santander. XXXX messed up the paperwork for title, tag and registration resulting in the purchased car to be parked until its fixed. After a DMV inspector had to step in, he found XXXX  at fault for everything. XXXX has said they are working to resolve the issue. I paid my first 2 monthly santander loan payments before stopping because Its like I dont even own the car die to XXXX  mistakes. Now Santander is threatening repossessing if I cant bring the account current. They call at all hours of the day and have asked me to go borrow money from a family member or friend for payment. I have been hit with every fee they can possibly stick to me. I believe that Santander issued the loan knowing that default would be likely. Its almost XXXX and I still cant use the car due to XXXX XXXX XXXX and Santander doesnt care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: AES/PHEAA
State: SC

Complaint narrative:
Fedloan has and is still reporting inaccurate late payments on two of my 8 student loans. All of which, are linked to the same account and repayment plan. I have always been on the income driven repayment plan since I have been out of school. My payments are {$0.00} per month and have always been. They are reporting inaccurate payments owed per month, interest, account balances, high balances, and refuse to correct the inaccurate late payments on two of my student loans. I have requested proof via letter to XXXX and never received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have disputed the inaccurate reporting made by Portfolio Recovery Associated XXXX to XXXX numerous times. I have provided proof. Submitted letters requesting proof of contract, documents on file that were used to confirm proof of debt, etc. Both XXXX and Portfolio Recovery Associated, XXXX are still furnishing inaccurate information despite my efforts to remove said account for false reporting. I have attached the proof they sent which does not align with the amount they are furnishing, yet, the item has still not been removed from my report when the statement included has a completely different amount owed. I have also attached all documents provided to XXXX to prove and dispute the inaccurate reporting.

Company response to consumer: Closed with explanation