vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/2020 I attempted to use my debit card ending in XXXX and was not able to use the card. I called the bank and was told my account was placed on hold because I had tried to deposit a check into an account that I closed and it was determined to be from a closed account. The sad part about this is that the account they claimed I tried to put the check into was closed by me a month prior. I explained to the representative that it wasn't me and that the account was hacked which was why I closed it from the beginning. Well, she explained that they were closing the account anyway and that I could go to a Citibank to get my funds. I went to the Citibank closes to my home only to be told that they couldn't give me the funds because the account was on hold and they couldn't access it. I called Citi customer service again and was told that I could go get my funds. Well, that never happened. Here we are months later of calling. I called XX/XX/XXXX and spoke to someone about the account closing and again was told I had to wait 60 business days. Called again on XX/XX/XXXX, was told my account was being submitted to be closed. Called again on XX/XX/XXXX was told to call back in 48 hours. Called again today which is XX/XX/XXXX and was told that the account was still under investigation after its been 60 days. I am at a loss. They have {$950.00} of my money and has failed to give it back. They have no reason to keep this account open and are collecting interest on my money. I have called them time and time again and still no response. All I want is my money. Citibank is a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax refused to remove inaccurate account that has not been validated. Equifax continues to accept summarized typed documents from XXXX XXXX to continue Equifax to keep the account in my credit report. 

Equifax refused to properly investigate the account or the account balance. XXXX XXXX has given no validated SS or Driver license or proof of Balance. They keep typing up a letter and Equifax allows this and says account validated it is not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Executive Credit Management, Inc
State: NJ

Complaint narrative:
On XX/XX/2020 I was notified by XXXX  and XXXX  that there was a collection account added to my reports. I immediately reviewed my reports to see that Executive Credit Management Inc had added a collection for a past due bill with XXXX XXXX, which was a rental unit I had moved out of over 5 years ago. During the time I moved out I was slapped with a bill of charges that were not mine and it was settled with my lawyer and theirs. 
As I did my research on the new collections account I see that the bill was sent to them on XX/XX/2020. This was over a year after I had filed bankruptcy and all past due accounts were discharged and I was no longer obligated, according to the US Bankruptcy courts, to pay. 
I sent out certified letters to the original creditor, XXXX XXXX, with no reply back and to the Executive Credit Management Inc on XX/XX/2020 stating the debt was resolved and the file they paced on my credit report was fraud. Shortly after they received the certified letter they placed the account in closed status on my credit reports. 
According tot he laws they need to remove this account comply because they are framing the system. The account should never have been there in the first place since the debt did not exist. 
Both the collection agency and the original collector should know the laws if they plan to collect on old debt. 
I do have copies of the letters I sent both parties with printouts of the dates and times they received the letters. 
Both companies are defaming my credit report by doing this which I believe is called " debt parking '' and is a serious crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Applied for pre-approval offer thru capital one quicksilver one card. After verifying my information I was informed that my application would automatically be declined because I have a fraud alert on my report that does not have a number listed to verify. After verifying my current phone number with an agent I was informed that application will still be denied and I would have to reapply after having credit freeze removed from file. This would cause my report to suffer to 2 inquiries and more points deducted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
Cedar Business Services is trying to collect money not owed ( This is a collection account ). My credit report states that this acount was opened on XX/XX/2019. I have previously disputed this item with XXXX  and through your website. They reported back to XXXX  that the account was possible fraud, however did not remove it from my credit bureau and continue to report it on my credit. Cedar Business Services is in violation of credit protection laws. I never once received information from them to even dispute this information with their company during the allowable 30 day period. I am currently disputing the item again with XXXX. My next step is to file a lawsuit to get this information removed and have everyone comply with the credit laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
i disputed this with account twice already with XXXX  seeing how their the only ones recording this unauthorized account on my credit report and asked them to provide and to follow the a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities and hasnt provided such detail at all to me. 




General Account Info Report Number : XXXX Date Generated : XX/XX/2020 Account XXXXCALIFORNIA BUSINESS BUREAU Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$1900.00} past due as of XX/XX/2020. 
XXXX XXXX 2020

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
an unknown individual attempted to open a bank account under my name at bank of america where I already have an account. the attempt was unsuccessful as it was detected by the fraud department at the 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 2020-12-14 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: AES/PHEAA
State: TX

Complaint narrative:
Various details ( account status, date opened, payment status, date of last payment ) about this closed Fed Loan Services account are inaccurate. They are reporting late payments also incorrect to the credit bureaus. These late payments have different amounts of days late across the credit bureaus as well as the open date on the accounts are incorrect. I challenged this information through XXXX, XXXX, and XXXX  and nothing was changed. I would like payment status to be update to paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc.
State: DE

Complaint narrative:
Meridian Financial Services mailed me a notice stating that I owed owed the amount of {$940.00} to XXXX XXXX XXXX XXXX. The notice was dated XX/XX/2020 and stated that I had 30 days to respond and dispute the validity of the debt, or a judgement would be entered against me and daily charges would occur. I mailed a response on XX/XX/XXXX stating that I disputed the validity of the debt. I then received another notice from Meridian Financial which was dated XX/XX/XXXX within the 30 day timeframe allowed for my response, stating that they intended to proceed with actions against me. The amount due had been increased to {$950.00} without ever waiting for a response. The debt was then subsequently reported to the credit bureaus and having an otherwise perfect payment history, dropped my credit score from XXXX to XXXX with no further response to my dispute.

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 2020-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates
State: GA

Complaint narrative:
XXXX XXXX stated that he will continue to call me multiple times a day if I dont pay. He also stated that he looked up my credit report and knows why I'm in collections because I dont pay my bills and im broke. 
I asked him to stop calling and he said he will continue. 
He asked if I wanted to settle and I told him no and he said why and then proceed to call me a their. 
1st call received on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2020 I opened a Citi Priority checking account after multiple digital and physical mailer offers by CitiBank for a promotion of 50,000 Thank you Points. See attached. 

On XX/XX/2020 I received a letter from CitiBank that my account has been terminated from the Fraud Prevention department. See attached. 

This is the third time CitiBank has closed my account after opening. None of these times have they been able to provide a reason for closure. Fraud is an extremely serious case and the account holder is entitled to an explanation. I am willing to clear any matters related to Fraud. If another has opened an account in my name, then that is illegal and the authorities need to be involved. Nevertheless CitiBank is unwilling to resolve the matter. 

It appears I have been blacklisted by CitiBank for reasons they are unwilling to provide and I am unable to remedy. Furthermore it is highly irresponsible to send an offer to an individual only to recall it afterwards. The monies in the account have lost value and could have been used elsewhere. This has also wasted time and resources of all involved, including the Citibank and CFPB.

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 2020-12-14 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I check my credit report regularly - On XX/XX/2020, my mortgage loan with SLS is noted on my credit report as payment deferred ; affected by natural or declared disaster. I have never contacted SLS to advised that I required payment assistance or other noted payment assistance programs that are associated with COVID19 relief. My mortgage is and has been paid as agreed. I contacted SLS and they said they were unable to assist me because their system shows my account as current.

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 2020-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd
State: MO

Complaint narrative:
Hello to whom this may concern, I want to file the following complaint : I started receiving calls from an unknown number that said it was spam in XXXX, my phone auto-rejects spam calls, however this number persisted to call me. I finally answer the call when I notice it's the same exact number that has called various times, upon answering the phone the person tells me they are from " Nationwide Recovery Systems '', I informed them, that I didn't want any calls from them, and that I was sending them a cease and desist letter asking for proof of this debt. I informed the rep that I only wanted correspondence via mail. They continued to try to talk to me, and disregarded my request, so I hung up. I received calls XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Then XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and the XXXX of 2020. I didn't receive a collection letter from this company until XX/XX/XXXX. 
I verbally told them XX/XX/XXXX that I would mail the letter mentioned above. I sent the letter XXXX certified, on XX/XX/XXXX I I reminded them a letter was headed there way when they had called and not to call me. they continued to call me the XXXX, XXXX, XXXX, and XXXX anyway ignoring my request. So I told the rep on the XXXX that I previously had said not to call and had sent a letter. He started arguing with me telling me they had never called. I told him I was going to record the call, because at this point they were harassing me, and violating my rights with this aggressive illegal practice. I had to hang up on him, because he was so rude. I asked if the calls were recorded, and he never answered me. The certified letter was received on the XXXX. I am including screenshots of my call log from this agency and the receipt for the certified letter, I sent to request that they communicate via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was a with DSNB MACYS customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2020-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received an email XX/XX/20 XXXX from American Express `` We reduced the credit limit on your account to {$4500.00}. The new cash advance limit is {$200.00}. '' This is an attempt to make me go over my limit after I just paid my account in full over {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I booked a flight on XXXX  XXXX  with a citibank credit card. The {$560.00} flight was XXXX to XXXX for XX/XX/2021. XXXX  cancelled the flight. They refused to refund the charge and only offered a voucher which I refused. 

I filed a complaint with citibank, escalated to the executive response unit. It has been months and they refuse to issue any credit to my account. They have stopped updating me with any information.

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 2020-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Three letters sent by fax and USPS to Franklin Collections that have gone unresponded to. In the third letter, I even sent them proof of delivery via fax in XXXX and XXXX and the account is still being reported as of XX/XX/XXXX. They have not provided debt validation or assured me that my HIPPA rights were not violated. And as a side note shame on the bureaus for not responding!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST
State: WA

Complaint narrative:
My husband and I signed account closure paperwork for our savings and checking accounts with the bank on XX/XX/XXXX and withdrew our funds to a XXXX  balance. The bank allowed a fraudulent charge to our checking account of {$25.00} on XX/XX/XXXX and tacked on various overdraft fees and refused to close the account as it was now in a negative balance. Note that they also refused to close our savings account even though no charges were made to that account. After negotiating with the bank and filing a fraud claim all charges were reversed by XX/XX/XXXX and we requested the XXXX branch manager on both XX/XX/XXXX and XX/XX/XXXX to close the accounts at that time. Not only have they not been closed, a fee was applied XX/XX/XXXX and a further overdraft fee was applied XX/XX/XXXX. Despite a third request to the bank branch to close the accounts on XXXX our accounts remain open as of XX/XX/XXXX. This includes the savings account which has been at a XXXX balance since XXXX with multiple requests to close it.

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 2020-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I already have a XXXX XXXX XXXX XXXX credit card. On XXXX XXXX, i asked for a higher credit limit and they approved me within 5 seconds. I applied for another XXXX XXXX XXXX XXXX credit card the same day, I was approved with in 5 seconds. This credit card was NEVER used with none of the credit reporting agencies of a hard or soft pull. XXXX XXXX approved me with my excellence of paying on time and never had NO late payments. Since i received my new XXXX XXXX XXXX card, XXXX  and XXXX  RAISED my fico credit score points. But with Experian, they lower my fico score by -21 points. XXXX  and XXXX  rewarded me by having another credit card with much higher credit balances cause I paid all my credit cards ON TIME, never late and never maxed out my credit cards to their high credit limit. With Experian, they condemned me for having another credit card, ( I only have 3 ) with much higher credit limits. When Experian did my XXXX monthly credit updates, They lower my fico score -21 points and my XXXX credit utilization is at 0.009 % or 1 %, which is well below Experian demand for a good credit utilization rate of 6 %. 
I never have any late payments, or high credit balances or I would NOT have ever received a new XXXX XXXX card. 
SOOOO, WHY did Experian penalized me by lowering my fico score by -21 when XXXX  and XXXX  RAISED my fico credit score?????????? 
My XXXX credit utilization rate of 0.009 % or 1 % to round it off, is really an excellent credit utilization rate. 
I`M wondering if they meant to raise my fico score by 21 points and made a huge mistake by lowering it. 
I WONDERING HOW MANY OTHER INNOCENT PEOPLE EXPERIAN HAVE MADE HUGE MISTAKES.

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 2020-12-14 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-14 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Unauthorized unknown person used card number to make purchase. Chase refuses to use due diligence to resolve. They keep billing me for this thiefs purchase. They did not contact detective or store according to both. I have file police report and notified as soon as aware of fraud.

Company response to consumer: Closed with explanation