vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Ive contacted this collection agency several times regarding the in accurate information and debt that they claim I owe to them. Each certified request validation or verification they send me a copy of a statement and continue to report different amounts with different dates on my credit file. I recently sent them a letter asking them to present me with legal documentation that they are legally allowed to collect the different amounts instead, they sent me a response my letter holds no new facts and they will not conduct another investigation. Instead of providing me the information that I requested. On several occasions theyve sent me notices to fill out identity theft form. I have a RIGHT to have accurate information reported on my personal Credit reports. This company over and over has failed to do so. 

They have failed to validate a debt at my request continued to report a disputed debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
they suspended account without en explanation. I tried call them I cant get brought. when I get through and tell them to get my balance from the account. they hang up. my disputed charges were declined without en explanation. my internet access has been closed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
THE THOMAS AGENCY, INC. will not stop calling me to ask for a debt which I do not owe. I all ready filed a complaint and nothing happened, I've tried calling them and they refused to cooperate.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-04 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I have been without a job since XXXX of 2021. I have tried to make arrangements with Avant so they would stop adding late fees to my account. When I made a payment arrangement, I was told they would stop accruing, however, I have over {$500.00} in late fees on my account now. I have called several times to see about having the fees removed so I could start paying down the card but no one will help. I have made two payments recently and they did not report my payments to the credit bureau as yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  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 2021-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
Heights finance in Illinois I believe took advantage of the pandemic and sued me in small claims court a lawyer that I had hired failed to show up on my behalf I got hurt at work the day before and was incapacitated for three days and had a concussion that lasted 30 so I could not appeal and the court will not allow me to appeal the decision after I had pointed out to them that I could not make the hearing because I was incapacitated I feel like I did not get a fair trial

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The attached Writ of XXXX XXXX was attached to my home at XXXX XXXX XXXX XXXX, XXXX Ga XXXX as a XXXX. This is not my debt. It appears this was orchestrated in order to damage me further in BRC Case Number XXXX, It appears the Trustee could have been involved as he is unethical, I am requesting all information be sent to me in order to take all necessary legal approaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: AL

Complaint narrative:
In 2016 my ex-girlfriend 's cousin stole a check and over drafted my account. Now, 5 years later US Bank still has not done anything to rectify the situation. I have submitted my police report to them on no less than 3 occasions. I call them every few months for an update and I receive the same answer, " they're still waiting on the police report. '' I have receipts of two occasions where the police report was indeed sent at the requests of the US Bank representatives. The receipts include names and email addresses of the recipients. I also have the name and address of the thief. Her name was written and signed on the check. My signature was nowhere to be found. I am very concerned that the unauthorized check was cashed in the first place and even more so at the incompetence of US Banks representatives. They continue to deny I sent them any documentation, though I have proof that it was not only sent, but also forwarded to another employee. I refuse to pay them for money that was stolen FROM ME. As such I have been unable to open an account with any other bank for the entire time ( 5 years now ) I strongly urge anyone to avoid doing business with them because from my experience they do not care about their customers. This needs to be investigated and rectified as I am certain I am not the only experiencing these issues with US Bank.

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 2021-10-04 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: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
this acct alredy pay 4 moth ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I pulled my credit report then I noticed a collection account on my report. Is was XXXX XXXX XXXX. I called them ( I C Systems Collections ) and gave them my name and address and they couldn't find any collection account. I then disputed it with XXXX XXXX thinking it would come off. 30 Days later i checked my report and it is still on there as verified! I called I C Systems Collections and gave them my name and address and they still can not find the account even though they just verified it. I called I C Systems Collections with a representative from XXXX XXXX on the phone and they also said they can't find the account with my name. ( Recording attached ) I asked why they can't delete it then and they said they do not have the authority!

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 2021-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
Back in XXXX the XXXX 2021, I XXXX  my sister money from my saving account total transference was {$1000.00}. my sister changes her phone number which was my mistake I did not update her number on my bank account.. I did contact the bank right away on the same day realizing my mistake the bank told me will stop the payment to go thru. but days and weeks pass and they haven't been able to get that money back or to provide me with where the money is. my sister never got the money. now these {$1000.00} are lost who knows where or which account I am been trying so hard went to the police to make a report they can not do a report because there is no crime. I have gone to the branch for help but no answer. I am running out of options can not hire a lawyer is way too expensive please adviced me on what can I do to recover this money.

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 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am summiting this complaint by myself and with no help from any professional. I have been reading and studying about consumer laws and our rights. 
After all the studying and research I have done I have been applying my rights to all appropriated institution that had violated my rights, therefore I am submitting this complaint right now to TRANSUNION. 
I am submitting this complaint because TRANSUNIONis in violation for furnishing 16 hard inquiries on my consumer report without my written instructions and without my permissible purposes. Which means that they are liable to me 16 times for violating 15 U.S. Code 1681n ( b ) 16 times.

I gather all my proof and mailed TRANSUNION a Notarized Affidavit Of Truth along with an invoice dated on XX/XX/2021, which they received on XX/XX/2021 as per USPS Express Mail tracking confirmation # : XXXX XXXX XXXX XXXX XXXX. 
I gave TRANSUNION the opportunity to resolve this matter amicably and gave them 20 days to comply, but I have not received any communication whatsoever so far.

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 2021-10-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have disputed an accountt with XXXX XXXX ( Formerly XXXX  ) multiple times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) in reference to late payments being reported.. XXXX  has payment status reporting for XXXX as XXXX not more than two payments past due '', XXXX as XXXX 30 days past due '', and Experian as XXXX paid account/was 30 days past due. XXXX has the close date as XX/XX/XXXX, XXXX as XX/XX/XXXX, and Experian does not have a close date reporting. Experian actual report has late payment reporting XX/XX/XXXX, XXXX 's report doesn't have nay payment history reporting, but is reporting a 30 day late payment, and XXXX 's report has late payment reporting as of XXXX XXXX XXXX. I have never been late on any payments, and I am not understanding why the bureaus are failing to investigate properly. Payments for this loan were due the XXXX of every month since the origination of the loan, which was XX/XX/XXXX, and I refinanced the vehicle with XXXX XXXX XXXX XXXX on XX/XX/XXXX. At the time that I refinanced the vehicle, there were no late payments reporting to my credit report. Then after I paid the vehicle off XXXX reported late payments. Please find attached how the account is reporting to my credit reports and my payment history/payment and notifications staring from XX/XX/XXXX to pay off of loan on XX/XX/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 2021-10-04 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  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 2021-10-04 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
To whom it concerns, The debt is settled with National credit systems. I have the credit card receipt. The agent said it should be noted to my account by the next Monday. However, it has now been 6 weeks. They sent the email to retrieve the paid in full letter. It is not there. I have left them messages and no one has returned my call. 

I need the letter and the debt paid in full and off my credit report ASAP! 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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 in regards to off base and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being disregarded. Section 611 ( a ), It expresses that inability to examine these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased promptly or I will petition for case because of the pressure you have caused me. My data was additionally affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
On XXXX XXXX I recieved a letter from Heartland ECSI threating to send me to collections for not setting a payment plan with them. When I called them the lady on the phone was extremely rude and told me that I could only pay {$720.00} a month was my lowest payment option. She also said that conneting to my back account that would make it easier to automatically take my payment.As a student who works a minimum wage job at a restraunt and has two unemployed parents who can not aide me with any of my school payments simply because they can not afford it is impossible to help me whith what I owe monthly. As of today, XX/XX/XXXX I call Heartland ECSI again with the same lady whom I talked when I first called and complained about my situation. She said there was nothing she could do and that I would have to contact the school. I told her that I wanted to talk to someone who would help me better in her facilty only for her to give me that phone number of my school which did not answer my call. I am servely upset that they took advanage of my situation and held it against me if I did not do what Heartland ECSI wanted me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX XXXX XXXX XXXX showed up on my Transunion credit report. It does not show up on my XXXX or XXXX credit bureau. I have repeatedly ask XXXX XXXX XXXX to remove this item from my Transunion credit report. The account # Im showing is XXXX account opened date XX/XX/XXXX account was charged off. I have never co-signed with anyone on a car loan. This is not my information I need it removed 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 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter dated XX/XX/XXXX that notified me that my account with you was closed due to late or returned payments. I am not responsible for those payments, and their return. I do not know who made those payments to my account. 

Please note that I have had this account since XXXX, and have never been late, or paid less than the full balance due on the same day of the month. Payments are made through autopay. 

I have called your customer service department and received an additional letter stating that you're unable to reopen my account.

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 2021-10-04 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: SinglePoint GI
State: FL

Complaint narrative:
On XXXX of 2021 I learned about a collection for a course that my previous employer suggested I pursued- I contacted General Revenue Corporation in order to satisfy the collection and dispute with university. I asked what did I needed to do to have that collection removed from my credit report. I was told by XXXX that in order to have it removed I must pay it in full or they can also accept a settlement. I chose not to do the settlement because the collection was affecting my credit. I paid it in full, and I am in the process of disputing the debt with the school. Today XX/XX/XXXX I contacted the collection company to request an update on why the collection has not been removed if payment was made in full on XX/XX/2021. 
I was now told that they would update the account but those collections dont get removed. I was lied to and provided incorrect and deceiving information in order for them To collect payment. I am requesting this collection is removed entirely from my credit report and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PR

Complaint narrative:
They closed my account because they needed to verify mi SSN, the SSN Administration coul n't and I am still with the account closed, its been 2 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I opened a Citi Prestige credit card in 2015 because of the attractive travel benefits like airline access for American Airlines clubs and the fourth night hotel " free '' feature. Since 2015, Citi has revised the benefits numerous times- each time sending me a letter in the mail or prominent email announcing the change. That is their right to change program terms and I may cancel at any time. However, the latest change to the program occurred XX/XX/XXXX of this year and caused me to have to rebook an entire trip to XX/XX/XXXX. Simply, the problem is this : I needed to use the free fourth night to afford a hotel that I had identified and spoke to about availability. They were " holding '' a room for me so the credit card company could call and guarantee payment and secure eligibility for the fourth free night. 

Apparently, on XX/XX/XXXX of this year the fourth night hotel benefit was changed for the third time since I opened the card. I learned this only because I called to ask them to call the hotel to secure the room and they informed me that due to the program changes, they would not be able to honor the benefit. The changes were this : only hotels featured " in their inventory on the rewards website were eligible for the fourth night benefit. '' I received no notice - email or letter- as usual. The changes took effect XX/XX/XXXX ( the day I called to book the hotel ). The hotel I contacted ( the only affordable option in town ) did not appear " in their inventory ''. The only options were over {$1000.00} per night - not an option for me. 

Numerous calls to appeal to Citi were unsuccessful, being transferred around to at least 10 different people over the course of 5 calls and 3 hours and I was disconnected twice. No one would adjust the program to accommodate and finally a supervisor informed me of the program change and said that they weren't responsible for mailing out notice, and I would have to call Citi and talk to them. Needless to say, no one could help me, and I still have yet to see any official notice of changes to the program. This is unacceptable and they should be held to a minimum time of notice before making such bold changes to a very popular program ( just see social media and press accounts of their trimming benefits ).

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 2021-10-04 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:
My rights continue to be violated despite my efforts to handle this misreporting on my credit report. These account should not be on there with this false information.

Company response to consumer: Closed with explanation