vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
As I have been looking over my reports. I see that there are late payments reporting on my credit report for the months of XXXX, XXXX, XXXX. I am requesting that the late payments on my credit report be removed. Per 15 USC 1666 b. I have been current so I don't want that to continue to affect my scores. 

XXXX Acccount # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: MI

Complaint narrative:
As I have been looking over my reports. I see that there are late payments reporting on my credit report for the months of XXXX, XXXX, XXXX. I am requesting that the late payments on my credit report be removed. Per 15 USC 1666 b. I have been current so I don't want that to continue to affect my scores. 

XXXX XXXX # 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 2021-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: MD

Complaint narrative:
They are repeatedly calling me about something I have no clue about and I dont owe anyone anything. Now they better stop calling me and nothing is on my public record. First off my old last name does not apply to me anymore and I dont have no case file or anything with md regarding them. They called from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Nj, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act ). I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I am aware that section 609 requires you to have verifiable proof of my signature. As is my right, I am requesting the validity of my signature or that the items that the items listed below be removed from my profile. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : {$240.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE {$0.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : {$0.00} Additionally, I have highlighted these items on the attached copy of my uploaded statement. I request that all future correspondence be done through email. As stated in the FCRA, you are required to respond to my dispute within thirty days of receiving this letter. if you fail to offer a response all disputed information must be deleted. Thank you for your Prompt Attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I regularly pay my card off and always pay my card on time. When I paid my card the other day for a total of {$110.00}, I received a notification that my payment had been received and posted, and the funds had been withdrawn from my bank account. Normally, I would be able to use the {$110.00} within a few business days, however the funds did not become available. I called Capital One on XX/XX/XXXX in the morning when the lady informed me that she was unable to fix this issue and that the funds were to be held until XX/XX/XXXX. I then called later, and spoke with a supervisor who then stated the same thing and also stated the reasoning theyre placing a hold on my account is because Ive paid 10 times in XXXX. She also tried to place blame on my bank stating that they havent cleared the funds, moreover I stated that the funds had in fact already been withdrawn from my account. I informed her that I always pay off my debts and always pay on time and she further stated that Capital One has the right to hold funds at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Nj, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act ). I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I am aware that section 609 requires you to have verifiable proof of my signature. As is my right, I am requesting the validity of my signature or that the items that the items listed below be removed from my profile. 

ACCOUNT NAME : - ACCOUNT NUMBER : XXXX Balance : {$24.00} ACCOUNT NAME : - ACCOUNT NUMBER : XXXX Balance : {$60.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Additionally, I have highlighted these items on the attached copy of my uploaded statement. I request that all future correspondence be done through email. As stated in the FCRA, you are required to respond to my dispute within thirty days of receiving this letter. if you fail to offer a response all disputed information must be deleted. Thank you for your Prompt Attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received letters from JP Morgan Chase in mid XXXX notifying me they will no longer offer services to me and closed all of my accounts, including 1 x Checking, 2 x Investment Accounts, 2 x Credit Card Accounts and a Safe Deposit Box. 

As soon as I saw the notices, I went to the nearest branch to find out the reasons, but they said the department that sent the letters to me are unreachable by branch associates and there was nothing they could do to help me with the situation. 

I called the number listed on the letter but they were unable to offer any answers. 

As I looked at my account transactions, I came to realize what may have triggered a red flag on my account. 
I made deposits from my own checking account from XXXX  XXXX XXXX by writing myself a check, then when the check cleared, I wired part or all of the money to a different financial institution where I hold an account with. The reason I used Chase is because they offer free wire services to clients, whereas XXXX XXXX XXXXXXXX does not. 
I have all supporting documents to prove the accounts involved are all mine. 

I don't know if this is the reason or not, since Chase is not sharing any information, but if it is, I was conducting banking transactions that I'm entitled to, and if it caused to raise a red flag, they should have at least inquired or notified me before coming to a decision to end the relationship with me. The communication is one way only, and I feel my rights as a consumer is violated. 

I'm having 2 of the major credit card accounts closed, so this will have a big impact on my credit score. I'm having to find another safe deposit box, which is nearly impossible in this area. I'm having to open another investment accounts, but I can not make any transaction ( other than sell ) during the transition. These things are impacting my life in a very big way, and I believe this is totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED COMMUNITY BANK
State: NC

Complaint narrative:
I have attached a copy of the e mails exchanged between myself and United Community Bank. United Community ( XXXX, GA ) recently acquired XXXX XXXX  which I have dealt with for a number of years. Everything seemed to be going well until I used United Community 's bill pay service. You will see from the attached e mails, I never got a satisfactory answer as to rationale for debiting my account prior to the check they issued had actually cleared. I believe that they use XXXX for their bill pay service and the check they issue is drawn on XXXX XXXX and not United Community. Someone other than me is benefiting from having these funds on deposit for the period between when they take the money and when the check is actually presented. This may be either United Community or XXXX. I plan to use their bill pay service minimally for payments that are not processed electronically in the future but many others may be oblivious to this practice. You can add to this the difficulty in determining whether the item has cleared. In my case the funds they debit before the check clears are not that significant however across United Community Bank 's or XXXXXXXX XXXX customer base, this could be millions of dollars.

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 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Im loyal customer and this bank denied me another credit card that offers travel rewards I applied for a XXXX credit card and was declined for one reason and my credit is good its unfair for having too many recently new accounts this isnt fair their are the only bank denying me

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 2021-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
On XX/XX/2021, I noticed unauthorized charges from my XXXX account and reported to XXXX right away as well as to my credit card company XXXX XXXX XXXX ). 

Starting from XX/XX/2021, XXXX sent me XXXX emails telling me I got double credits for the disputes I filed and put {$530.00} into my XXXX balance negatively. 

I called XXXX right away upon seeing these emails and charges placed by XXXX and asking for getting the issue resolved. None of my XXXX calls get the problem settled. 

Now I start receiving debt collection calls and mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have made multiple attempts throughout XXXX and XX/XX/2021 to get in contact with this company after seeing their name on my credit report. The phone numbers take me to a line which always states that they are open, but then when it is transferring me to a representative, another prompt says they are closed. I do not have any verification of the ( 2 ) debts owed to this company and will not comply unless accurate verification is received from the creditor.

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 2021-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I purchased XXXX XXXX XXXX at XXXX XXXX in XXXX FL thru XXXX XXXX, on XX/XX/XXXX I sold vehicle to XXXX and per their investigation check to Nissan was cashed on XX/XX/XXXX. 
Up to today Nissan is showing that I owe money on the car and still on my credit report. I have spoken almost every day since last week to have them correct this. XXXX sent copy of check including check number and amount paid. 
All Nissan is telling me that they need to investigate where check is when it shows it was already deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical Data Systems, Inc.
State: IL

Complaint narrative:
On XX/XX/2021 outside my normal operating hours, I received a call from XXXX stating they were Medical Revenue Service and needed to verify my date of birth in connection with a Medical debt. This was a very unusual and inconvenient time for me to be receiving calls because I engage in meditation and studies between the hours of XXXX to XXXX. I tried to resolve this matter but the caller disconnected the phone. Please help as I couldn't get this matter resolved. Thanks You for your consideration!

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 2021-12-10 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have contacted XXXX XXXX XXXX some years back and spoke with a gentleman that stated he was a manager. I explained to him about being a victim of identity theft and how I notice on my report that a vehicle was on there that I do and never owned and he asked my name and address. He put me on hold and when he came back to the phone he asked if I could send my id in and I told him yes and why? He said that they will get that off there. I asked how long will it take he assured me that it will take about 90 days. Well 90 days came and went but that never came off. So I did a complaint on ftc.gov back in XXXX and received a comment back from the company legal assistant " XXXX XXXX via email, phone call and through the ftc.gov website comment section. I emailed XXXX XXXX back and stated that we could communicate via email but she never responded back. I am assuming she wanted to speak over the phone is why I never heard back from her. On the ftc website comment site the company stated clearly that they understood that the account does not belongs to me but still and yet they did not remove it. I did everything to prove to this company that this account does not belongs to me. I am a victim of identity theft. They have lied to me about removing the account from my credit report and each time I dispute it the company do an update. This company does not honor their words and are heartless. They has cost me lots of emotional distress when I have proven that this is not my account and I am a victim of identity theft. I am constantly disputing this account and the company will constantly do an update instead of removing 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 2021-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I have never received information regarding my original debt from this agency despite attempts to have it sent to my house. I only know of two accounts due to pulling my current credit report. I will not acknowledge debt unless original debt is validated through statement provided by original company, as is my right.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 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: NY

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/2021 I spoke with two representatives at Experian. I asked how do they investigate and validate before they furnish and the first representative stated that they dont investigate it, XXXXXXXX XXXX does and then they report it to Experian ( CRA ). I then spoke to another representative that I was transferred too and he told me that they investigate and validate it directly with the creditor ( debt collector ). So at this point I am being told two different things. These CRA are playing with my life and it isnt okay. I asked for the phone call recording so that I could have proof when I purse litigation. XXXX stated I had to have a subpoena by a lawyer. I researched and seen where the FTC could get a subpoena and so thats what Im looking to do. These CRA are not doing there job and it is causing so much financial harm to me.

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 2021-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC
State: FL

Complaint narrative:
My name XXXX XXXX, phone number XXXX XXXX, address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX. Since XX/XX/2021 I have been blocked to send money by almost all money transfer companies such as XXXX XXXX, RIA etc... I called them many times because I wanted to know the reason they blocked me from making money transfer, and the agents whom I talked to, told me that they can not tell me anything because they received order. 

As I get extended family in my native country, I used to send money to help some of them. Today, I went to RIA to make a money transfer the same situation happened again. That was why I decided to make a complaint to see whether you can help me finding a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Description of Complaint : For months and months I was receiving solicitations from Capital One, so I decided to apply for one of there cards which was recommended to help build my credit. After filling out the application it appeared that I was approved and the card was in the mail. Shortly after a day or 2, I was notified by voicemail that my account was flagged as being fraudulent, I was asked to provide approximately 3 documents one of which was a copy of my Social Security card. Even though they insisted I thought that this practice was unacceptable, operators insisted that I must submit those documents. Never had I ever had to submit a Social Security Document to any institution for a credit card. They, Capital One Solicited to apply, Ran my credit approved and sent the card but flagged it anyways. Trying to call and get any reasoning was met with unfamiliar information to why the account was flagged. This appears to be a situation that needs some explanation on the mentioned practice. Looking forward to hearing from you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I went through the process of adding an external bank account to my Citizens Bank online profile in order to be able to transfer funds. The first time I tried to authenticate the account, it did not work. The second time was successful and I received notification that the accounts had been successfully linked. On XXXX XXXX, XXXX, in good faith, I transferred {$3000.00} from my Citizens Bank account to my linked account at XXXXXXXX XXXX. Citizens Bank immediately ( the same day ) suspended my access to XXXX XXXX. Rather than returning the funds to my Citizens Bank account, they held them and did not return them until I wrote them a very irate complaint letter ( I do not have the date, as it was sent through their website ). The funds were returned to my account on XX/XX/2021. Over and above the atrocious customer service, this policy seems to me to be suspect. If Citizens Bank is, in this way, giving themselves unapproved access to customer funds for an unspecified amount of time, they are in a very good position to profit by using customer funds in a way that I can not imagine can possibly be legal. 

The week before this occurrence I had spent XXXX hours on the phone with Citizens Bank trying to resolve a transfer issue. In accordance with their policies, bank managers are not able assist with online issues and customers have no choice but to sit on hold for egregious amounts of time. 

Despite repeated attempts to elicit a response from XXXX XXXX at the Office of the Chairman at Citizens Bank, she has been ignoring my communications and my access to my linked bank account at XXXX XXXX is still blocked.

Company response to consumer: Closed with explanation