vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
On XX/XX/2001 at XXXX XXXX I transferred {$2000.00} via Western Union to the XXXX. I paid the transfer fee of {$30.00}. There is 12 hour time difference which takes it to XXXX XXXX XXXX time, XX/XX/XXXX. 
At XXXX XXXX my receiver in the XXXX went to pick up the money and was told that it has already been collected. 
I was supposedly the only one who has the tracking number to authorize the release of the money upon presentation of proper government picture ID. 
I spoke with customer service several times and argued that they improperly released the money and questioned them about the security of the tracking number. Each time I was given the same answer -- - '' they properly dispensed the money to the right person '' and refused to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: WI

Complaint narrative:
I have only been a member at this gym for two months and the gym has charged a {$75.00} dollar sign on fee along with a {$25.00} membership paid the first day. I received another unexplained charge recently in the amount of {$29.00} that was charged with a biweekly amount of {$25.00}. I went to my bank to have the unexplained {$29.00} fee reversed and they are still trying to collect a debt I don't owe adding another {$9.00} plus {$19.00} service fee added, just for a gym membership. I also discovered that the {$75.00} sign on fee I paid was than reduced to just {$1.00} for customers. I have not been a member long enough for all the charges added and price discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: U.S. BANCORP
State: TN

Complaint narrative:
A " XXXX XXXX XXXX XXXX XXXX Visa XXXX '' credit card was opened on my XXXX XXXX insurance account XX/XX/21 by someone who was not myself as in the owner of the account. As US Bank is the provider of the " XXXX XXXX XXXX XXXX XXXX Visa XXXX '' credit card, I reached out to them Saturday XX/XX/21 in which I was informed there was a balance of {$19000.00} existing on the card. The US Bank fraud department representative said he voided the charges and locked the card. I myself would then receive a credit card in the mail ( along with documentation of the charges and account ) in which I would have to call the number on the card to officially close the US Bank account opened in my name.

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 2021-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was trying to open an account with truist bank. And they denied my application, reson given was information given from consumer reporting agency. I don't know what could have happened. But I don't care I just want it fixed.

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 2021-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
I a natural person was issued a false debt in the amount of {$490.00} that is now reporting on my consumer reports. On XX/XX/XXXX I mailed a validation of debt letter demanding proof of claim. That this said alleged debt factually & legally belonged to me. I asked for a contractual agreement with my wet ink signature. They did not comply. But instead sent what appeared to be computer generated " bill statements '' from XXXX XXXX. The XXXX XXXX XXXXt back a large packet containing letters & symbols on the outside of the envelope, violation of 15 USC 1692 ( f ) ( 8 ). Which I have uploaded alongside this complaint. 

On XXXX XXXX, I mailed a certified letter to The Bureaus Inc demanding for them to validate the alleged debt that they claim I owed. Again they failed to comply & violated me in return. Sending another huge packet with symbols & letters on the outside and inside of the contents. 

On XXXX XXXX I mailed another certified letter putting The Bureaus Inc on notice of all ways they have violated me as a federally protected consumer. This company never validated this alleged debt they claimed I owe. However The Bureaus Inc continuously reported this alleged debt on my consumer reports damaging my reputation at the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVN FUNDING at C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$680.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and XXXX is still reporting positive payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: AL

Complaint narrative:
Disputed an acct and XXXX removed it XXXX XXXX then reported back on the report XXXX XXXX. I have pics to submit. The account was not opened by me is was a fraudulent acct and has been moved from all the agencies before now its back on all 3 reports. 
XXXX XXXX XXXX was removed by XXXX just to put back on in another day. Please investigate as to why this has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: AL

Complaint narrative:
Disputed an acct and XXXX removed it XXXX XXXX then reported back on the report XXXX XXXX. I have pics to submit. The account was not opened by me is was a fraudulent acct and has been moved from all the agencies before now its back on all 3 reports. 
XXXX XXXX XXXX was removed by XXXX just to put back on in another day. Please investigate as to why this has occurred.

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 2021-11-13 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:
A " XXXX XXXX XXXX XXXX XXXX  Visa XXXX '' credit card was opened on my XXXX XXXX insurance account XX/XX/21 by someone who was not myself as in the owner of the account. As XXXX XXXX is the provider of the " XXXX XXXX XXXX XXXX XXXX Visa XXXX '' credit card, I reached out to them Saturday XX/XX/21 in which I was informed there was a balance of {$19000.00} existing on the card. The XXXX XXXX fraud department representative said he voided the charges and locked the card. I myself would then receive a credit card in the mail ( along with documentation of the charges and account ) in which I would have to call the number on the card to officially close the XXXX XXXX account opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: SC

Complaint narrative:
XX/XX/2021, I disputed that XXXX, XXXX and Equifax are reporting a inaccurate account. They are reporting a XXXX / XXXX charge off account with different, Date Opened, High Credit, Credit Limit, Last Reported, Date Last Active, and Date of Last Payment. The fair credit reporting act 15 U.S code 1681 state that a consumer report must be accurate. They are not reporting my credit report accurately. I have attached a copy of my most recent credit reports from all three agencies as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Today, XX/XX/XXXX, I checked my credit score, and saw that a Target/TD Bank account had been opened in my name. My score took a gigantic hit. I did not open a Target bank account. I believe that my father opened an account in my name and used my information to commit fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have called to have information to be removed that is inaccurate. I have called to have information to be removed that is inaccurate on my report and Bank of America said they couldn't even find the account. 

This particular one is 6 years old.The account is with Bank of America- and they have been reporting it to the credit bureau XXXX as if it were open. 

The account it closed - They are saying the account is passed due and this is incorrect as this account has been closed for 6 years. 

XXXX reported it on XX/XX/2021 as Pays Account as Agreed with 90 day past due. 

How can I still be 90 days past due when the account says pays as agreed?

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 2021-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: PA

Complaint narrative:
Complaint : The collection company failed to communicate this debt to me either by mail or phone call. I have NOT RECEIVED any documentation from this collection company regarding this debt. The company went forward with placing this debt on all 3 credit reports. I have disputed this information because I've been a victim of identity theft and have placed fraud alerts on my credit reports. 

Collection company information as it appears on XXXX credit report : CONSUMER ADJ CO Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX Account : XXXX Amount Owed : {$920.00} Date Opened?? : XX/XX/2021 ( I'm assuming this is the date it appeared on the credit report ) I have filed disputes with all 3 credit reports. XXXX responded first stating the debt remains on my report. However, I do not owe Consumer ADJ Co. this debt because I have not received any communication from this collection company about this debt. 

File # from XXXXXXXX XXXX investigation : Report Created On : XX/XX/2021 File Identification Number : XXXX Provided by XXXX Consumer Relations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
An escrow account was established at re-financing for our quarter of property taxes, even though we told them we have always paid out taxes through an automatic electronic deduction. I called our tax department to see if they could suspend the one payment, that was NOT an option. When the township got the check from Freedom orgage, they returned it to Freedom orgage. I have now spent hours and hours and hours verifying my loan #, home address and last 4 # s of my ss number. I get disconnected. Every single time.

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 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion LLC at XXXX XXXX XXXX, PA XXXX I sent letters to this company XX/XX/2021 to verify that what is reported on my credit report is accurate. They have not provided me with any proof of verification and are still reporting inaccurate data on my credit report. 

1. XXXX XXXX The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and XXXX is still reporting positive payments. 

2.XXXX  XXXX date of last activity is different on each bureau, XXXX is reporting on time payments, each bureau is reporting a different high credit amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXXBalance {$0.00} XXXXBalance {$83.00} XXXX  XXXX XXXXBalance {$0.00} XXXX XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$990.00} XXXXBalance {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Unauthorized Citi Bank Safeguard Debt Protection Fee Charges Total Charged Amount : {$1300.00} ( {$43.00} per month ) Charged Date : XX/XX/XXXX to XX/XX/XXXX Citi Bank has been charged a Safeguard protection fee for 30months which I have never applied for. 
Called Citi Bank in XX/XX/XXXX. XXXX to cancel Safeguard protection fee and requested a full refund. Safeguard protection fee has been cancelled as of XXXX, XXXX without any refunds. 
In XX/XX/XXXX Citi Bank sent me the letter stating that because my account was covered by the program benefits through the end of billing cycle in the month in which I cancelled, any previously billed fees are non-refundable.

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 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information is different from the 3 Credit Bureaus. Therefore, the XXXX, XXXX, and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account in question : BK OF AMER XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 2021-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America ruled against me in a credit card dispute. On XXXX I received a letter stating that Bank of America will report me to the credit rating agencies. As per the FTC they can only report me in case of refusal of payment. However, I already paid in full on XXXX. Bank of America appears to be in violation of federal law by reporting me. I am unable to reach Bank of America for resolution and/or explanation.

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 2021-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management
State: NC

Complaint narrative:
this is weird. i had a loan with XXXX XXXX and i found out they sold it to plaza services LLC. however, XXXX XXXX XXXX XXXX XXXX informed me that they took over the loan. but w henever i call XXXX XXXX, they said it was plaza services LLC. So which is it? Plaza services will not answer the phone. XXXX XXXX XXXX XXXX XXXX on the other hand informed me they are the ones i need to pay. i feel like i am being lied to and scammed by someone. i would like for whoever is in charge of my debt now, to leave me alone and get this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
We are XXXX XXXX. We used the card to purchase items for a job performed in Colorado ( live in wv ) from XX/XX/XXXX to XX/XX/XXXX. When we got back home and got paid for the job we called call center and wanted a balance so we could pay off. They gave us a balance of XXXX. We paid that balance by ck. number XXXX. On or about XX/XX/XXXX we received another bill that was pass due with a whole different account number. We tried calling over the next few days to get info and finally got a hold of someone. They told us what the charge was and we agreed that it was a charge for items we had purchased. Although they couldn't tell us how the ACCOUNT GOT OPENED it was for an item we had purchased. We made arrangements to pay, close the account and the company agreed to drop the late fee because of the confusion. That check was mailed on XXXX and was ck # XXXX which brings us to this morning, XX/XX/XXXX. I received a call form citi bank collections stating that I needed to pay immediately. I told them the story and asked to speak to a supervisor. this is where my complaint comes in. There is no recourse for employees not leaving notes on accounts. There were no notes of when I called in XXXX or XXXX. They never started taking notes on the account until I started requesting employee id numbers. It is a web of transfers that will never get you to any result. If you start catching on your are hung up on. I got hung up on 4 times. After the fourth hang up I began to have an understanding of what was going on. If the collections team didn't like what you had to say they hung up on you. Customer service was no different, I got hung up on there too. I spent 4 hours trying to get to someone that would take my complaint. I have all the names and employee id 's of the people i spoke with.I have closed both my accounts with Citi Bank and would like someone to contact me to speak further on the matter from your organisation. At this point I'm not worried about the bill, I know it will be paid, but the process that business is being performed at the call center needs to change. I will no longer support citi bank but its because of the employees, not the services provided.

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 2021-11-13 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: NJ

Complaint narrative:
XXXX XXXX at XXXX XXXX XXXX, PA XXXX I sent letters to this company XX/XX/2021 to verify that what is reported on my credit report is accurate. They have not provided me with any proof of verification and are still reporting inaccurate data on my credit report. 

1. XXXX XXXX The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and Equifax is still reporting positive payments. 

2.XXXX  XXXX date of last activity is different on each bureau, Equifax is reporting on time payments, each bureau is reporting a different high credit amount.

Company response to consumer: Closed with explanation