vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 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: LEXISNEXIS
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: LA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: OH

Complaint narrative:
on XX/XX/2019 a loan was taken out from XXXX XXXX, self lender in the amount of XXXX i noticed on my credit report the the account was not mine and made the credit bureaus aware and it has been over 90 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I called Bank of America about Direct Deposit offers in XXXX of this year and learnt that they could offer me 0 % until XX/XX/XXXX. So I went ahead and took the offer for {$19000.00} as I needed landscaping for my new home. To my surprise I noticed 19.99 % interest charges on my XXXX bill. I called them on XX/XX/XXXX and the customer service representative did not know how to help me and said someone will get in touch with me in a day or 2. Nobody got in touch with me. So I called them again on XX/XX/XXXX and I was again told someone will get in touch with me. Nobody has contacted me yet and Bank of America is charging me interest unfairly. Also point to be noted, Bank of America doesn't send any contracts/ agreements via email. I also never receive any acknowledgement of my phone conversations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
We sold our house and closed XX/XX/2021. My title company confirmed payment was received and payoff was on file with my mortgage servicer, CMC Funding, on XX/XX/2021. 

However, CMC Funding continued to autodraft money out of by bank account on XX/XX/XXXX. 

When I contacted CMC Funding, they said it would be weeks before they'll refund me the money and they would not commit to returning the entire amount they removed from my bank account after my mortgage was paid off and closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: DC

Complaint narrative:
On XX/XX/2021 I sent a validation request and Cease & Desist to The Dept of ED NELNET INC. Sent via certified mail with receipt. I REQUESTED copies of any papers to show I have agreed to pay such alleged debt and information on the identity of the original creditor. My letter was received and ignored by this company which is a direct violation of 15 USC 1692g My consumer rights have been violated and my rights to privacy have been violated as well. An this company continues to violate me to this day with false information reported to the credit bureaus negatively affecting my credit worthiness and ruining my reputation. which is a direct violation of 15 USC 1692d ( 1 ) and defamation of character. This company is aware of the all the violations against me and the remedies I demand to rectify their wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
XX/XX/2021 - reviewed credit report with Collection from PlusFour Inc. Attempting to collect for XXXX XXXX Solutions. 
XX/XX/2021 - Disputed this account with all XXXX bureaus and asked form them to provide documentation on where the balance derived from and proper validation XX/XX/2021 - Plus Four verified item with all XXXX bureaus and was attempting to collect interest on the medical debt which was not authorized. Pursuant to XXXX. XXXX Nevada debt collection laws prohibit collection agencies from engaging in the following actions : Collecting, or attempting to collect, any interest, charge, fee, or expense incidental to the principal debt. 
XX/XX/2021 - Disputed item again with all 3 bureaus and PlusFour. They verified the information reporting was accurate despite them attempting to collect an amount they legally can not collect. 
To date they continue to confirm and verify the information they are reporting is accurate despite multiple attempts for them to report accurately and collect the accurate 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 2021-07-09 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Creditor : Credit Acceptance Co

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I received a notice dated XX/XX/21 on XX/XX/21 From Transworld Systems Inc, XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX. 
This notice was to inform me that they were collecting a debt for XXXX XXXX in the amount of {$41.00}. The notice stated that if I did not dispute this in writing within 30 days of the notice they would assume this debt is valid. 
I have received no notice from XXXX that I had an outstanding balances. I get bloodwork done quarterly with them and my insurance covers everything at virtually XXXX cost to me. 
So this struck me as odd. I checked my XXXX patient portal and it does not show that I have any outstanding bills. So I called XXXX XXXX  Billing Customer Support and asked them if I had any outstanding balances or if anything was sent to collections? I was told they had not and that everything was up to date in their records. 
This is an obvious attempt at fraud and needs to be reported and communicated to the public as most people would probably just pay the small amount listed in the Collection letter. 
I have responded to them by mail ( as per Transworld Systems Request in their letter ) with a Cease and Desist notice regarding this fraudulent attempt at collecting money from me. If they continue to attempt collecting this debt I will update this complain.

I would suggest launching an investigation into their collection practices as I have seen numerous complaints about them online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
Alliant Credit Union changed their program, eliminating the annual fee on their Visa cash rewards credit card. This was a great change! 

The problem is that they levied an annual fee, promising benefits for the next 12 months, and immediately changed the requirements. I have complied with the new requirements, but they have rebuffed my request for a pro-rated refund of the annual fee several times. 

My complaint is that they are not providing any benefits in return for the annual fee, thus it should be refunded. Pro-rating the refund makes logical sense, and it is much easier than staggering the start date of the new program according to consumers ' billing anniversary date. 

But at the end of the day, I paid for 12 months of benefits and only received 2 months worth. The annual fee of {$99.00} was paid on XX/XX/2021, and the letter announcing the new program was dated XX/XX/2021 and effective XX/XX/2021. Alliant Credit Union is not entitled to keep the entire annual fee if they are not honoring the terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened an account on line, a HSBC Premier Checking and Savings Account. I received the welcome letter, I received all the forms and documents in them mail, I've created and registered online security, etc. I have done EVERYTHING asked to prove who I am, etc. I was provided account and routing numbers. I have set up direct deposit. I even completed a mobile deposit via the banks app, now all of a sudden the bank has locked my account and will not allow me to access my funds. The bank is holding my {$5500.00} and will not let me access the funds via ATM or branch nor will they allow me to close my account to get my funds to go to another bank. This has been the MOST ridiculous side show experience opening up an account. HSBC representatives do not give two cares about you as a consumer. They are not being transparent. I keep getting the run around and barely understand their representatives. If you are not able to make mobile deposits or bank deposits what's the poinXXXX of having a checking account if you can't put money into it other than direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft ACIMA CREDIT XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid off my loan with Capital one Auto Finance. They have not and will not report that I have paid off the loan. I am trying to improve my credit in order to refinance my home to a lower percentage rate. Number one, I am XXXX years old, it appears that they are discriminating against me, because of my age. Not my ability to pay. Which I have proven that by paying off over {$8000.00}. When I call XXXX XXXX they say I have to write a letter to them. In this day of emails, and automation, that is counter productive to a quick resolution. I have filed a dispute with the credit bureaus. They are in the process of up dating. Capital one has not responded. 

Capital One does not waste any time in filing with the credit bureaus late payments. One day in receiving a payment, it is marked as thirty days late.

This practice of not resolving problems quickly is an abuse of their position of power over me, the consumer. It is impacting me emotionally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: SC

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the XXXX you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Back in XX/XX/2021, I sent a certified mail reporting fraud to TRANSUNION notifying them of fraud on my credit file/report. They sent mail stating they have completed the investigation ( dated XX/XX/2021 ). 
Under the Consumer Rights Law 15 USC 1681 a.e., the investigation haas to be done with the Consumer 's ( me, I ) neighbors, family members and associates.

Transunion has not investigated any of these accounts with my family members, associates and neighbors.

I called them again today ( XX/XX/2021 ), XXXX answered at first and verified name and SS # then stated he would have to transfer me to the " XXXX XXXX XXXX '' Then spoke with XXXX, verified my information in which I let him know I'm calling regarding the File # XXXX that was completed and dated XX/XX/2021. 
XXXX mentioned there was a middle name which was on my report however, the file sent to me does not specify a last name. He then asked me if I wanted it " removed '' and I asked him to please tell me what the middle name was because I do not have one and this is fraud. He stated he just would like to make sure because he is generating another file # XXXX for this investigation. This is also fraud! 

I DO NOT RECOGNIZE THESE DEBT ACCOUNTS and I AM DEMANDING THE REMOVAL from my Transunion file/report. These are the debt accounts : USBK COURT XXXX NEW YORK DOCKET # : 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 XXXX  # : XXXX I would also like to add per my Consumer Rights according to 15 USC 1692, I do not owe any debt listed above, I am not obligated to pay, I am the Administrator/Agent according to Consumer Rights 15 USC 1602. Transunion can not confirm any debt of mine, and being the Consumer, I am stating this debt does not belong to me. 

Thank you.

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