vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been in contact with all 3 credit reporting bureaus and asked to provide proof of verification as well as validation for the bankruptcies appearing in my public records. I received letters stating that the information was verified via XXXX XXXX and that I should contact XXXX XXXX. I contacted XXXX XXXX and they found the information to be fraudulent and XXXX XXXX deleted the information. I contacted the credit reporting bureaus and mailed copies of the letter from XXXX XXXX and all three refuse to remove this inaccurate 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 explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have received bills from three different financial services requesting debt from medical services dated XX/XX/18 with different amounts every time. 

I just received a bill of XXXX from Phoenix Financial Services XXXX I received multiple bills from third party collection agencies previous to this bill from other financial service companies. 

However, I did not receive any bill from any medical institution or bill collector with this amount within the 11 month window required by Texas Law. 

According to Texas Civil Practice Law : " Except as provided by Subsection ( b ) or ( c ), a health care service provider shall bill a patient or other responsible person for services provided to the patient not later than the first day of the XXXX month after the date the services are provided. '' Therefore, this collection practice from Phoenix and the previous debt collectors is illegal according to Texas Law from my eyes.

I have communicated this to two previous holders of this illegal debt and they communicated over the phone that I would not be followed up with and my debt was satisfied, however this case got passed on again to Phoenix Financial. 

I have reached out to attorney to advise me, but believe this is wrongful and illegal debt collection and should not effect my credit or my funds as it currently stands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hello, I am a member of Penfed ( Pentagon Federal Credit Union ). On XX/XX/2021 I applied for their XXXX credit card online but was denied. Instead I received a counter offer of their Cash Rewards credit card. I never accepted that, didn't sign any paper physically or digitally, never made a response to the counter offer. Today XX/XX/XXXX I received the Cash Rewards card in my mail ready to be activated. I called PenFed at around XXXX CST about this and told them I never wanted the Cash Rewards card and never accepted it, and asked them to not have it be reported to my credit reports. The Representative, XXXX told me there's nothing they can do on their end to fulfill my request. Therefore I'm filing this complaint against PenFed for opening a credit card for me without my consent.

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 2021-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
I have attempted on multiple occasions to resolve this issue with NCA. NCA has violated section FCRA 809 ( a ) notice of debt. I was not notified in writing of any debt or presumed debt prior to credit reporting in XX/XX/2020. I also was not provided a 30 day period to dispute and validate the debt. I initiated contact about what was reported to the credit bureau in XX/XX/2020. 
NCAA has continued to change the timing of notification yet has been unable to provide any proof of written notification, after 5 complaints with the CFPB. Misleading representation of validated debt has been recorded via credit reporting agencies and and resulted in damages to my credit file and credit reputation. If removal of all reporting is not done immediately I will seek civil liability and report these violations to the FTC within 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
An account shows up on my credit report for " CREDIT COLLECTION SERVICES '' with the original debt listed as coming from XXXX XXXX. The first reported date is listed as XX/XX/2018. 

I have contacted Credit Collection Services to ask for details or policy number for the amount owed. Twice I have been hung up on as soon as I ask for this information. I tried calling again today and was placed on hold while the representative " looked for the policy number '', after a brief hold the call was disconnected. 

I have spoken to 3 different customer service reps from XXXX XXXX ( My current auto insurance company ) and they show no amount owed for any current or previously held policies. XXXX asked me to ask the collections company for the policy number before making any payment to them. 

I am attaching a log of my most recent conversation with XXXX regarding this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been in contact with all 3 credit reporting bureaus and asked to provide proof of verification as well as validation for the bankruptcies appearing in my public records. I received letters stating that the information was verified via XXXX XXXX and that I should contact XXXX XXXX. I contacted XXXX XXXX and they found the information to be fraudulent and XXXX XXXX deleted the information. I contacted the credit reporting bureaus and mailed copies of the letter from XXXX XXXX and all three refuse to remove this inaccurate 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 explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Attempted to open an account with Synchrony Bank to purchase a bed from XXXX XXXX beds at 0 % interest. After 45 minutes of confirming identity via video and photo uploads and various personal information ; the bank denied the ability to open the account based on XXXX  not having my correct information. This I know to be untrue. I just recently had my credit checked for a multi-million dollar loan. All went fine with that. Shocking that a {$2800.00} credit card was denied. So shocking that it seems to me there is malice afoot. 

Clearly, this bank either isn't well run OR is running a fraudulent operation to gain consumer data. Either way an investigation is needed. 

Please let me know what information you need from me to pursue this investigation. Happy to help. 

Thanks, 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 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: TX

Complaint narrative:
XXXX XXXX Bank issued a credit card in my name to someone else in a different state on XX/XX/2020. I did not find out about this situation until approximately one year later when being contacted by a collection agency. I have contacted XXXX concerning this issue and they refuse to talk to me directly nor rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: CA

Complaint narrative:
We have no debt, other than our mortgage ( which we have always been current on ). We get a call from Reliant Capital Solutions about once a week. I do not want to interact with them in any fashion. We are not in arrears on anything and I am not interested in discussing our finances with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2021 someone hacked into by Bank of America ( BoA ) online banking account and attempted to transfer {$3500.00} from my BoA to a source Bank of America will not reveal. I did not realize what actually took place until XX/XX/2021 and I called BoA. However, On XX/XX/XXXX someone DID call my cell phone telling me they represented BoA and knew all the details of my BoA account ( including my account 'nickname ' ) and that same someone who said they were calling from BoA explained to me someone was trying to perpetrate fraud against my account and in order to stop the transactions from happening I needed to provide them with a code they had just sent to my cell phone. Thinking this was BoA I gave them the code. An amount totally {$3500.00} was transferred out of my account and into an account BoA would not provide me. I explained to BoA that this was fraud and that I did not intentionally make these transfers. They have since investigated my claim and are insistent that I made these transfers although I told them I did not and it was fraudulent. I'm not really sure I do from here so i'm contacting you for assistance

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 2021-03-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not 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 explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA Savings Bank issued a credit card in my name to someone else in a different state on XX/XX/2020. I did not find out about this situation until approximately one year later when being contacted by a collection agency. I have contacted USAA concerning this issue and they refuse to talk to me directly nor rectify the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: TX

Complaint narrative:
This will be the second time I will be filing a complaint with CFPB on the same issue with the same company Citibank, I hope they take it seriously this time. 

My checking account was put on pending closure on XX/XX/XXXX without my consent, I called to better understand what was going on when i wasn't able to use my account. I had a balance for {$4400.00} at that time, and I was advised to wait 30-60 days for the account closure review to be done, and that i will be receiving a letter from the bank, with a check for the funds remaining on the account. I chatted with a rep on the mobile banking app on the XXXX of XX/XX/XXXX, for details on the status of the refund and letter, he said, and I quote " I can see here a check was issued on the XX/XX/XXXX '' and that I have to wait 10-15 days .... So after several days I called again to get the status, and the rep i spoke to suddenly told me I won't be receiving a check because i have no funds that belong to me! Contradicting what the previous rep had told me. Now, I asked her to explain in details, and she refused. I asked about the letter i was supposed to receive, and she kept dodging the question. I told her I remember correctly the last credit that was made in my account from a buyer on XXXX for a wrist watch purchase, in the amount of {$8100.00}, which a {$15.00} incoming wire fee was debited from my account by Citibank, after they had verified the transfer. I even waited until they had verified, posted the balance, and charged the wire fee, before i shipped the item. I just want Citibank to be completely honest with me on this matter, and tell me whether or not I was a victim of fraud. They need to do everything possible to get my insured money back to me, or I will be forced to go to claims courts if i don't get a proper response this time. I will very much like to walk into a branch and settle the mater, but unfortunately Citibank doesn't have one single branch in XXXX Texas! I don't even think they have any in Texas! Ridiculous

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 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: LA

Complaint narrative:
I have had a credit card account with US Bank since 2014. I have never missed a payment. When the Pandemic struck last year, I paid off the balance of {$2600.00}. I have been very careful not to incur any extra expenses this last year. My interest rate was 16.99 %. Today I got a notice saying my interest was being raised to 21.49 % and they said it was because : 1. Ratio of Balances to Credit Limits on Revolving Accounts is too high. 
2. Proportion of Loan Balances to Loan Amounts is Too High. 
3. Amount Owed on Revolving Accounts is Too High.

4. Too Many Consumer Finance Company Accounts.

All of the above is false. 
I currently have {$100000.00} in available Credit I currently owe a total of XXXX in credit card across 4 Credit Cards. 22 % usage. 
I have a XXXX Balance on THIS US BANK CARD. 
I have one loan that is a Mortgage. 

I can not imagine what this action would have done to me if they did this to me and I had a balance due in the middle of a pandemic. 
My credit score with XXXX is XXXX With XXXX  it is XXXX With XXXX  it is XXXX. 
I believe this company is mad because I paid them off last year when the pandemic hit and they are not getting interest from me carrying a balance on their Credit Card. This is punitive action for me being a good customer and making all of my payments on time. This is punitive action in the middle of a pandemic because I am being extra thrifty and being careful not to spend. They have never raised my interest rate for the 7 years I have had this credit card. Likewise, they never reduced my interest rate during their " 6 month reviews '' when I was carrying a balance.

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 2021-03-16 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: U.S. BANCORP
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Coinbase, Inc.
State: NV

Complaint narrative:
My CoinBase account was frozen due to hacking issue in the beginning of XXXX. I was locked out and can not access my account or any of the money that I had in the account. The CoinBase Case # XXXX was created. I had since requested to regain access to my account multiple times since XXXX. I have received emails from CoinBase asking me to provide ID for verification, which I did on XX/XX/XXXX. Then on XX/XX/21, I was asked to create a new Coinbase account, which I did. I have still not received a response or resolution since then. I am waiting for CoinBase to verify my new account to my old account so that my money can be transferred into the newly created CoinBase account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting a Closed XXXX account on my credit file that does not belong to me and appears to be Fraud, I have contacted Experian several times and spoke with XXXX to have the Closed Charge-off XXXX Fraud account disputed, investigated and removed,. Experian continues to deny and initiate a dispute or investigation for this Fraud account. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. I did not Open an account with XXXX or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX, I did not give authorization to XXXX or any creditor to open an account in my name. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on my credit file.

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 2021-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a temporary credit for dispute XXXX $ on XX/XX/XXXX charge of {$210.00} XX/XX/XXXX, I received a rebill {$210.00} when I wrote letters asking for continuing my dispute with details as best as I could describe. XXXX XXXX and XX/XX/XXXX documents said dispute continuing and waiting 90 days till merchant replies otherwise case closed Then I received three documents XX/XX/XXXX stating error made yet rebill of {$210.00} to my account I AM SO CONFUSED 1. Please chargeback {$210.00} 2. I offered compromise to pay {$70.00} ( XXXX XXXX ) for diploma fee and not accept, if accepted then I get credit of XXXX $ for everything else related to cancelled ceremony photo and gown cap and tassel 3. If merchant responded please show me response to cause you to re bill 4. As this dispute is on going, please reinstate credit so I do not get interest charge on next payment/statement # XXXX

Company response to consumer: Closed with monetary relief