vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 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: MA

Complaint narrative:
On Mar XX/XX/2020, XXXX  add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account 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 2021-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My Huntington Bank standby cash account was disabled under constantly-shifting terms. 

I met the stated requirements to access my standby cash/credit line, per multiple official correspondences from Huntington Bank . It took 4 employees almost 2 hours to discover that a term of service had shifted regarding recency of overdraft charges and standby cash. It took a team of 4 employees to figure out a service term had changed. They work there and couldn't figure it out - How is a consumer expected to be informed? 

The result is that I am not able to access my own credit line, but they still collect interest on my balance. 

Timeline of my attempts to remedy the problem with Huntington directly : XX/XX/2021 - XXXX XXXX I was transferred via customer service phone line to XXXX XXXX, customer service supervisor. XXXX XXXX read me a Terms-Of-Service document about interest accrual, then said I didn't pay my standby cash balance. 

I have proof I did. She put me back on hold " to do research. '' I stated repeatedly that I only wanted to use the standby cash I was told I have access to. 

XXXX said that none of the information I presented her with was true ( this was a lie, I would later find ). 


XX/XX/2021 - XXXXXXXX XXXX On XXXX, XXXX DM 'd a complaint to Huntington Bank. XXXX, their service rep, referred me to a private secure chat line with Huntington Bank. 


XX/XX/2021 - XXXX XXXX  A customer service rep, XXXX, finally informed me that a new term of service disabled my standby cash for at least a few business days. I asked if there was any way to override this new term and was told no. I pointed out that they would continue to accrue interest on my remaining balance while refusing me access to my own credit line. XXXX apologized and offered no remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
Debt popped up on my credit report, I contacted company showed proof the payment was paid. They refuse to remove it. I had the hospital and had the hospital contact agency and they refuse to remove. This agency should not have my medical records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/21 after using an ATM to check my balance, someone was able to follow behind me and access my account from the same ATM and withdraw {$400.00}, putting my account in the negative. I noticed a suspicious individual hanging around the ATM. 10 minutes later I received the overdraft alert and called to report fraud. 10 days later, Wells Fargo denied my claim and refused to reopen it nor check the camera footage. I've been assessed overdraft fees and Wells Fargo is refusing to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express XXXX includes XXXX XXXX. This allows lounge access and is one of the main selling points of this expensive charge card. The only way to enroll in XXXX XXXX is by calling American Express. However American Express customer service consistently has wait times over 30 minutes throughout the work week. Requesting call backs does not work, as i never got called back on separate occasions. It feels as if American Express is gatekeeping one of the main advertised selling points of the product i purchased. How can I receive my purchase without having to go through unreasonable steps to do so?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On Tuesday XX/XX/21, I was informed by Citi that my account had been temporarily suspended due to potential fraud on the account. Upon contacting Citi 's " early fraud '' department, they asked me a series of questions to " authenticate '' me. I provided ALL VALID account information, including my wife ( who is an authorized signer ) including phone number, email address, personal information, etc. and was informed that I was unable to be authenticated and that the ONLY way I would be able to be authenticated is through a pass code to be delivered by USPS within 5-7 days. I tried to resolve with 3 different individuals, including two supervisors, all of whom advised that was the " only '' way to authenticate me as I did not have Citi accounts otherwise.

It is notable that there are zero unauthorized charges on my account and I informed Citi as much, yet my account remains locked. 

As of the time of this writing ( XX/XX/21 ), I still have not received correspondence regarding this authentication, but in the meantime I have had not fewer than two bills using my citi card as an auto draft attempt payment and were rejected, which has resulted in me being charged a late fee.

In addition to the inconvenience of being charged a late fee through no fault of my own, Citi 's archaic and inflexible policy of allowing me to verify myself ( and again, who can better authenticate myself THAN MYSELF ), I find it highly concerning that Citi is de facto attempting to illegally tie depository and credit relationships as the only reasonable means to authenticate in the case of potential fraud. As the reader of this would undoubtedly acknowledge, Citi or any financial institution is not permitted to require having a depository account as the means of extending credit and is illegal per the OCC regarding anti-tying provisions.

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 2021-09-24 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: MA

Complaint narrative:
On XX/XX/2021, Creditor Contact : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred to Creditor Contact : Not Available and I am no longer responsible for the account as I have never dealt with any creditor not available. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name and Credit Reporting Agency has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting 30 and 60 days late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please Investigate and report the payment status positive and update all late from reporting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: MA

Complaint narrative:
On XX/XX/2021, XXXX XXXX : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred to XXXX XXXX : Not Available and I am no longer responsible for the account as I have never dealt with any creditor not available. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name and Credit Reporting Agency has violated my rights as a consumer and I'm requesting legal action to remove this account 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 2021-09-24 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: MA

Complaint narrative:
On XX/XX/2020, XXXX add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MRSBO would verify the debt. So I took it upon myself to ask MRSBO for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 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: Self Financial Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the status information of this account. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have been a customer of Ally since 2015. Ally has incorrectly charged my account nearly {$1300.00} in late fees. I have contacted Customer Service on several occasions in an attempt to resolve this issue, but no one will assist me. Ally has refused to perform a comprehensive audit to justify the late fees. My payment is due on the XXXX of every month and the payment is paid no later than the XXXX in order to avoid late fees. Ally has suspended payments made online without a reason or justification. I am filing this complaint so that a full investigation can be done and the {$1300.00} is late fees are reversed as Ally applied these fees in error. I am XXXX years old and Ally has taken advantage of me by giving me the run around. Ally does not provide copies of all of the monthly statements online, so it is very difficult to track their accounting. I want a comprehensive audit done on my account and the late fees 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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I reported a complaint regarding Equifax to the CFPB on XX/XX/2021. It is complaint number XXXX. The CFPB contacted Equifax and they responded saying they would investigate the complaint. After several days they responded indicating a letter had been sent with the results of their investigation. It has been a month and NO LETTER HAS BEEN RECEIVED. The CFPB closed the case despite my feedback that no letter had been received. As a result, I am initiating a new complaint to request Equifax actually comply and resolve the problem and actually send the letter showing they have frozen my mother 's credit and linked her personal information with her credit history. Right now I believe Equifax has her personal information attached to someone else ' s credit file. I also believe any letter sent was sent to someone else possibly exposing my mother 's personal information to a complete stranger.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent {$600.00} using Cash App to someone. They gave me their old username in error. I requested a refund/cancellation immediately but was told it was already sent and could not be reversed. The recipient and I sent multiple emails to Cash App to figure out to grant access to the recipient to the old account or somehow merge the 2 accounts. Each time Cash App responded with this message or similar - " I do not have any new information to provide regarding this issue. Please review the information in our previous emails to understand how to move forward. '' " While Id be happy to help you with any other issue, Im unable to provide further information for this particular case. '' And the last one today stating, " We have provided as much information as possible to help you resolve your issue. Were unable to provide additional support and will be closing your case. '' I requested a phone number to call, or someone call us. Gave contact information for the recipient so it can be resolved. I asked if my money would be returned if left unclaimed for a certain period, and received no response to this question. 
They did absolutely nothing to resolve this concern for myself or the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
They have called me once a week for the past year despite the fact I'm currently not in debt nor have I ever been i debt for a significant period of time. I've told them to stop calling me, as I am rather young and haven't even alive long enough to accrue debt that would require collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXXHUNTERWARFIELD would verify the debt. So I took it upon myself to ask HUNTERWARFIELD for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I financed a XXXX XXXX XXXX from American Credit Acceptance. Unfortunately, my unemployment ended in XXXX and I was unable to maintain the payments ( after never missing any payments ). My car was repossessed on XX/XX/XXXX ; this occurred during the Pandemic when the governor announced no vehicles could be repossessed and no tenants could be evicted. When I contacted the company I was not advised I was at risk for repossession. I never received a letter in the mail the car was at risk of being repossessed. The letter I received came after the car was repossessed. The people stole my babies milk out of the car and my tennis shoes. I submitted a letter to your company about this but it was lost unfortunately. I have receipt you received my information; when I followed up it was not in your system. 
The Department of Motor Vehicles has a flag on my registration for driving with no insurance since XXXX. I have asked this company repeatedly to update the information with the motor vehicles and as of the today they still have not. I am facing a {$1900.00} fine. My uncle donated a car to me ; I have to give it back because it is taking so much to update the system. I found a document dated XXXX showing my car was repossessed because I missed XXXX payment. The motor vehicles said the document has to specifically say the car was repossessed on XXXX. I have contacted American Credit Acceptance 5 times for this document ( through phone call and chat ). They keep sending a document showing a sale date for XXXX. 
I'm not sure if the repossession was legal ; however, updating the information with the proper systems should not be this much of a hassle. I have a XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX who is a XXXX  in XXXX XXXX  I do not have the time to babysit a company to do there job. Not to mention I need a vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Per XXXX report, XX/XX/21, Bank of America issued a credit card due to someone used my personal info to apply. XX/XX/21 bank of American mailed me a letter to verify ( say seems suspicious activity ). I called them and reported that this card was fraudulent. XX/XX/21 I filed a police report with XXXX XXXX county sheriff office ( case # XXXX ) ; as of XX/XX/21, Bank of America said account closed. But XXXX still reporting second late payment ( first late payment in XXXX ) from the Bank of America credit card with balance {$23000.00}. This has caused my credit score substantially drop. I need resolve by Bank of America and 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 non-monetary relief