vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
This is a continuation of automatically closing claim CFBB XXXX. 
1 ) Citizens bank sent amount of debt to collectors and should not have. They locked online access and took 6 months to send requested bank and credit card statements.

2 ) Bank overreached into my accounts without my consent and shuffled and made adjustments with my money all over the place.

3 ) when they did charge-off ( which should never have occurred ) as I covered all payments and brought in funds to bridge the deficit while dispute of what occurred over an overdraft occurred. Bank did not provide satisfactory and sufficient paperwork needed by customer, myself, to reconcile all four accounts involved. Requested multiple times. Statements were adjusted snd rewritten by bank since An third party check into account overdraft if account took place and differed between what was showing and I read online, what was in mobile application and weekly electronic mini statements, by telephone, and phone call reconciliation due to refusal to supply paper documents of all 4 accounts.

XXXX ) citizens bank has recorded the wrong amount of chargeoff which shoukd never have been a chargeoff in the first place as they never assisted in an appropriate statement reconciliation in the first place when I went to brsnch anc requested. Bank still needs to correct and reverse, remove chargeoff so this does not affect my credit. since receiving paper statements in XXXX  and reviewing, bank and I have agreed there is only a {$2000.00} deficit based on this set of documents ( these dont match what was online ). Yet payment terms still continue to be through a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have follow-up with XXXX XXXX XXXX and consumer reporting agencies ( FAX, Trans UNION and they do not want to remove the 30 day late in my account when I paid before the due date which did not go over 29 days late. 
This letter is a formal complaint that XXXX XXXX XXXX gave inaccurate and incomplete credit information as reported for my account with Trans Union as CREDIT BUREAU reporting agency. 
Please review my 30 day late payment for XX/XX/2017 and I was never late in 2017 for the monthly payment in XX/XX/2017 and update Credit Bureau 's as it effects my mortgage loan refinance in these uncertain pandemic period. 

This letter is a formal complaint that you have inaccurate and incomplete credit information as data furnisher to the Credit Bureau for my closed/terminated XXXX account Name of company that reported the late item ( XXXX XXXX SERVICES ) Reason for dispute : ( NEVER LATE - 30 DAYS ) Payment Date : XX/XX/2017 XXXX -- -- -- -- -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- -- -- > Amount {$620.00} Payment Date : XX/XX/2017 XXXX -- -- > Amount {$600.00}

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 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 - I have made a {$7000.00} deposit at XXXX XXXX, CA ATM, XXXX x {$100.00} bills and BoA did not credit my account. ATM said it was having difficulties, {$300.00} was credit applied. I opened a claim and Bank of America would not credit my account the {$6700.00} missing. They keep telling me they are escalating the claim, but nothing happens.

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 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
New relevant information. Not a third party unauthorized. Not a duplicate. DISCOVER : THE ACCOUNT HAS BEEN UNDER DISPUTE SINCE I HAVE BEEN AWARE OF IT. IF AN ACCOUNT IS BEING DISPUTED YOU ARE REQUIRED TO COMMENT ON THE FILE THAT THE ACCOUNT IS UNDER DISPUTE. IT DOESN'T MATTER IF I DISPUTE DIRECTLY WITH YOU OR WITH THE CRA, YOU ARE REQUIRED COMMENT THAT IT IS UNDER DISPUTE. NOT COMMENTING OR REMOVING A COMMENT WHILE AN ACCOUNT IS STILL DISPUTED IS A VIOLATION IF MY RIGHTS. 

I WAS NOTIFIED ON XXXX THAT YOU REMOVED THE DISPUTED COMMENT FROM XXXX. I WAS NOTIFIED BY YOU THAT YOU WERE WORKING ON MY DISPUTE ON XXXX. YOU VIOLATED MY RIGHTS BY REMOVING THE COMMENT. NOT ONLY IS THE ACCOUNT THE RESULT OF IDENTIFY THEFT, BUT BY REMOVING THE COMMENT YOU FURNISHED INACCURATE INFORMATION TO THE CRA, THIS IS A VIOLATION OF THE FCRA, AND FTC GUIDELINES. YOU HAVE CONTINUALLY SHOWN YOUR INABILITY TO FOLLOW GUIDELINES SET BY THE FTC AND THE FCRA, BY CONTINUING TO REPORT THIS FRAUDULENT ITEM AFTER BEING NOTIFIED THAT IT IS THE RESULT OF IDENTITY THEFT, BY CONTINUING TO REPORT AN ITEM AFTER BEING PROVIDED AN FTC ID THEFT REPORT, YOU DID NOT GET A DOCUMENT TO VERIFY WHO WAS OPENING THE ACCOUNT BEFORE EXTENDING CREDIT, AND YOU HAVE FAILED TO PROVIDE ME SAID DOCUMENT UPON REQUEST, DESPITE ME REQUESTING IT 4 SEPARATE TIMES, AND YOU CONTINUE TO VERIFY THE DEBT AS ACCURATE WHEN IT NEVER SHOULD HAVE BEEN OPENED IN THE FIRST PLACE AS IT WAS THE RESULT OF FRAUD. Attached you will find verification of claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I checked my credit report on XXXX XXXX  a while ago and realized a fraudulent account was opened. I had a debt collection for {$700.00} with Capital One which was opened XX/XX/2018. This is very frustrating because the debt is not mine. I tried disputing it a couple times with XXXX  but it was denied saying the information was accurate without proof. This debt is not mine and I demand all bureaus get of it or send proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. These creditors reported as collection accounts. These companies are XXXX, Capital One Bank, XXXX, and XXXX. I am asking for these companies to remove those accounts because they are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Back in XXXX, I purchased a couch set from Macy 's financed through their in-house financing for 0 % APR ( if paid for within a year ). Following the plan, I paid it off in a year but then they moved their financing to an out-of-house financier. When that move occurred, I theorize that my information was not properly transferred because in XXXX I started to get collection agencies calling me and my credit report showed that I owed more than {$1300.00}. I did not have the paperwork at the time so I paid a creditor, who was supposedly working directly for Macy 's, over {$1300.00} under a payment plan. The collection agency agreed to have this removed. For a time it appeared that it did get removed, but it would occasionally show up a creditor would call me about it, it would show up on my credit report, I would challenge it and it would appear to be removed again. This has happened almost yearly, if not more. Now I am trying for a mortgage loan and it is once again appearing. My creditor provided me with this and am now trying to once and for-all get this 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 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc.
State: FL

Complaint narrative:
Called my roommates phone asking for myself saying they had legal documents and were trying to verify address. Friend handed me the phone and I would not verify ssn number, but did verify address. Later in the day I called on my number and XXXX knew who I was ( so it proves they had my number ) and I asked if they had my number why are they calling friends and family.

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 2021-08-04 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: Block, Inc.
State: WA

Complaint narrative:
Square Customer service agents do not understand enough English to properly process a a simple disputed merchant charge on the card. 

My original filed written dispute clearly states the following : Merchant Name : XXXX XXXX XXXX XXXX Order Number : - XXXX Transaction Date : XX/XX/2021 Transaction Amount : {$19.00} Reason for dispute : Received Defective Product Square 's first customer service agent just cut and pasted in their response were the agent requested that exact information again, which means their agents are either not reading or not understanding simple straightforward English. 

Then, the second agent, thought the complaint was for a product that was not received yet, so cut and pasted in a request for all of the shipping information and so on, again indicating their agents are either not reading or not understanding simple straightforward English, because a defective product by definition means the product was received. 

This type of horrible customer service should not be allowed, because it makes filing a debit or credit card dispute extremely difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from 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 Account Number : XXXX This is not mine. 

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

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

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

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

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Action Revenue Recovery, LLC
State: LA

Complaint narrative:
investigation took longer than 30 days, no results recieved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
investigation took longer than 30 days, no results recieved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: GA

Complaint narrative:
I am a victim of identity theft and someone opened this account in my name without my permission. I am requesting for Duvera Billing Services to delete and remove this fraudulent account immediately from my credit report or legal actions will be taken against your company. 

My rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Investigation took more than 30 days, and no 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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
Investigation took more than 30 days, and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
Auto loan settlement was paid in full, as agreed. 
30 days later a new bill, under the same acct number was mailed to me. Now stating there is a past due amount. The account has been paid in full, a month early. 

Radius global continues to verify the account is paid in full, yet continues to bill and report to credit bureaus that the account is defaulted and past due. 
On XX/XX/21, spoke to Mrs XXXX ( original contact person ) she stated it is an error and the account is in fact paid. She stated an email would be sent showing no payment is due. 
The company refuses to send me verificattion of a paid account, is reporting to the 3 major credit bureaus and continues to add late fees and unpaid amounts to a closed account. 
Radius global solutions XXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX XXXX acct # 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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Utah System of Higher Education
State: UT

Complaint narrative:
UHEAA/ UTAH XXXX is reporting erroneous lates on my credit file. I have had my account in deferment and every time it would go out of deferment i would get a call asking if i wanted to go back on deferment. Unfortunately during COVID i was out of work and unable to make those payments which is why i kept deferring my payments. I wasn't aware that late payments were being reporting to my credit file until i recently checked my credit and saw that my scores dropped significantly due to those being reported. I was never advised that these late payments would reported as the account was in deferment i assumed everything was good. I would like for you all to remove the lates from my credit file. I was unaware of the late notations and my account had been deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX is showing I have an XXXX XXXX Card open. I do not possess an XXXX XXXX card, nor do I have an online XXXX XXXX account. I tried to Dispute this with EQUIFAX on their website, and each time there is a message of, 'Temporarily Unable to meet this Request '. I have provided copies of both the XXXX account showing 'open ', and the dispute request being 'unable ' to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I recently found out I no longer have any credit score with the credit reporting agencies and decided to apply for a personal card through American Express since they have access to my 22 year history with my Amex Business card. This card is still in use and the payment history is spotless. I got this in XXXX when I owned a small business that sold in XXXX. I have used this card for personal use since then. 
I applied by phone and the agent told me I was turned down. He said he didnt have access to the reason and, after some discussion, transferred me to the New Accounts Department. I asked the representative if he was able to access my credit history with American Express, which he promptly did. He thanked me for my 22 years of being an excellent customer in good standing and thanked me for using American Express. 
I then told him I had just been turned down for an Amex personal card and asked him if he could access that information, which he did. He then informed me that I was turned down because I have NO CRDEIT HISTORY. At that moment, I was speechless. 
I asked him if he really just said that to me. I heard vocal sounds like he was starting to reply then, he was speechless. Finally, he said, I see. I understand. He said he would turn the application over to the underwriters for personal review. 

Yesterday, I received a letter informing me that my application for credit was reviewed by a supervisor and turned down due to NO CREDIT HISTORY. 

Im XXXX years old. I opened my first bank savings account when I was about XXXX years old and, with it, I had enough for 50 % of a downpayment on my first house in XXXX. I got my first credit, a credit card, at age XXXX. I have had numerous mortgages, loans, business loans and credit cards over the years in good standing and all paid in full except for my existing Amex business card, which has a very high credit limit, is paid many months in full and is in good standing. 

I am unable get a personal credit card. I am unable to establish credit. 
I know of folks who have had serious financial troubles and a very low credit score and they were able to get a credit card. 
I can not. This situation is crippling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been going back with equifax for several months about my credit. I initially disputed accounts with XXXX XXXX acct # XXXX both accounts where originally deleted but whe. I asked for copy of current report it showed an account from XXXX XXXX with a balance of {$520.00} the account was reinserted I sent letter and Ive attached certified receipt the # XXXX I NEVER RECEIVED A RESPONSE PLEASE HAVE COMPANY REMOVE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX is listing my personal information as, " Formerly Known As '', XXXX. Further, on their options to " DISPUTE '', EQUIFAX is providing no options. I have provided a copy of their website showing this listing of a name I have never been known as, and EQUIFAX providing NO option to dispute.

Company response to consumer: Closed with explanation