vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as 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 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The company has not paid my bonus interest. I supplied the form they have requested after not crediting my bonus in a timely manner and the bonus still has not been paid.

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 2021-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I paid the car note on XX/XX/2021 {$470.00} then I waited 4 days until the payment was cleared then payment was cleared not this finance company is saying they did not receive the payment that I was returned I feel they got the payment but is trying to collect an additional payment from me because this happens so often as if I don't keep up with the car notes I pay to them this needs to be investigated thoroughly been having a lot of issues with this company Ally Financial.

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 2021-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I have a account at Comenity Bank and I have made all my payments on time I have paid ten payments in eight months and I have even paid more than my minimum payment many times.

And they have charged me outrageous fees. Late fees and finance charges over two hundred dollars which I refuse to pay. The people I have spoken with are less than professional and they Demand that I am always late with payments. My payments are due the 27th of the month I pay My payments on the first few days of the month every month. They charged me late fees on the first day of the month with my first payment. I have sent messages to them through their secure Message system many many times with no reply. I have sent a written letter to them addresses to the Bank Manager no reply. I am only making my payment of {$100.00} per month until I can find another bank t
o finance this loan. I am on a fixed income and have limited money each month. To find financing is difficult because of my income. I have never had this problem in my life with any Bank or any Finance Company because I always pay my bills and on time. I tried to explain to them that my payments are early very early not late, and they said no that I was always late. I wonder if other people are having this same problem with this Bank? I no longer have access to my account there it has timed out and I am unable to access it. 
Thank You for any help you can offer in this matter. How will you know how to get in touch with me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: NY

Complaint narrative:
On XX/XX/XXXX I made a international transfer using WorldRemit application. I sent XXXX dollars using my XXXX XXXX Account ( XXXXXXXX XXXX ). The app charged me XXXX dollars for the transfer. The transfer was supposed to be directed to my debit card account in the XXXX XXXX with XXXX XXXXXXXX XXXX. However, the money never got to my account. It has been more thank 2 months, I have called WoldRemit and all they keep telling me is that they working on it. Sometimes I receive email from them saying that the transaction was paid off, and that they case would be close. Then, I proceed to call them and they tell me they working on it. Also, they said that there is discrepancy by one number and the bank account that I provided with the statement. However, I have used WorldRemit before and my info/contact is saved. All I had to do was select the amount that I wanted to send and picked the account that has already been saved and used before. They sent me proof of payment. However, XXXX tells me that they never got the funds. I filed a claim wiht both banks XXXX in XXXX and XXXX in The XXXX XXXX, however, both cases worked on worldremid favors. XXXX bank told me that I authorized the transaction ( which I did ), and XXXX XXXX tells me that they never recieved the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 non-monetary relief
Consumer complaint received 2021-07-20 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I have submitted a complaint against Citizens One Home Loans for improper management of my Mortgage Account and my Mortgage Balance that is paid on time all the time. Now Citizens One is messing with our excellent Credit History on both my wife 's credit report and my excellent credit reports. Citizen One Home Loans is saying I am late with my Mortgage Payment. In close to 30 years of owning a mortgage I have never ever been treated like this by a mortgage company. They are now affecting our lively hoods with their false statements and lies. I have a bank history of payments that are paid religiously on time, every time the mortgage payment is due. Now Citizens One Home Loans has improperly lied and reported my wife and myself for their own accounting issues and their mistakes which is costing me time & money. 

I have reported them to you for their unfair documentation and their false monthly statements. I can prove to you with my banks history of my payments that I do not owe anything past due. I need your help to hold Citizens One accountable for their accounting mistakes and their false statements. I can't afford an attorney right now to sue them for damages as this is my work slow season right now. I have a bank payment history to prove they are the liable party here. Please help me save my wife 's and my our excellent credit history from being destroyed by this horrible mortgage lending company. Please " Do Not '' let them get away with their bad customer service and their illegal accounting practices. They need to be held accountable for their illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: American First Finance, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX AMER FST FIN XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter certified receipt along with notarized affidavit to Fed Loan Loan Servicing XXXX. XXXX XXXX, PA XXXX Account Number : XXXX Tell them the following. 

I would like to make arrangements to settle the above referenced matter. 
Please provide me with your statement of the amount owing as of XX/XX/2021. Together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. Thank you very much. I told them if I do not get this item by XX/XX/2021 I want all student loans reporting showing on all credit bureaus to be removed immediately to include XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: PA

Complaint narrative:
I previously submitted a complete Identity theft report # XXXX and Experian, XXXX and XXXX have not done their due diligence in removing the fraudulent items. I am attaching a new Identity theft report with my complaint. Under the FCRA the credit bureaus are obligated to report accurate, and valid information. Verified information is not always accurate. If someone has your identity they can easily verify that.

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 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
My husband and I applied to refinance our home. In the credit report, they advised that there was a collection for a debt for XXXX  thru IC Systems for {$1500.00} that I needed to take care of. I contacted the company, IC Systems, and the representative told me I needed to pay them as XXXX reported the debt as unpaid. I needed to contact the previous debt collection agent, XXXX XXXX, XXXX. I contacted XXXX XXXX and they were absolutely NO HELP. Representative told me that they reported the debt paid to XXXX and it wasn't their problem. In the interim, IC Systems continues to contact me stating that the debt is still owed to them. I have sent the receipts from XXXX XXXX to XXXX  Credit Reporting Service to show that the debt was paid and to remove from my credit. IC Systems refuses to remove this debt from my credit - they insist it isn't their problem. Despite having receipts showing debt is paid - neither company will assist in getting this debt removed from my credit.

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 2021-07-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed for XXXX XXXX Bankruptcy for a business in the XXXX XXXX XXXX OHIO Docket # XXXX. 
This bankruptcy was canceled and should be removed from my reports. Also, this was not a personal bankruptcy but a business and should not be reporting on my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: OH

Complaint narrative:
I filed for XXXX XXXX Bankruptcy for a business in the XXXX XXXX XXXX OHIO Docket # XXXX. 
This bankruptcy was canceled and should be removed from my reports. Also, this was not a personal bankruptcy but a business and should not be reporting on my personal credit report.

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 2021-07-20 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: OH

Complaint narrative:
I filed for XXXX XXXX Bankruptcy for a business in the XXXX XXXX XXXX OHIO Docket # XXXX. 
This bankruptcy was canceled and should be removed from my reports. Also, this was not a personal bankruptcy but a business and should not be reporting on my personal credit report.

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 2021-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
Opened US Bank savings account in XXXX with promotion of depositing {$5000.00} by XX/XX/2021 and holding for 6 months to receive {$100.00} bonus. I recently received {$50.00} for the promotion and not the {$100.00} per the terms and conditions. Contacted US Bank and they are claiming the second deposit was 'late ', which clearly is not the case from my bank records.

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 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently sent TransUnion a copy of my Police Report & FTC report. Included in the report shows that I have been a victim of identity theft. XXXX is one of the accounts. According to FCRA 605B they are to block item within 5 days instead they placed it under a 30 day 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 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANKMOBILE TECHNOLOGIES, INC
State: TX

Complaint narrative:
BankMobile Vibe, a division of customers bank, has not provided the terms of check cashing. You can deposit a check using the app. The only instructions is to make sure there is proper lighting, the background is neutral and check endorsed. 
A check a submitted through the app on XX/XX/XXXX was rejected because I didnt write for mobile deposit only on the back. There is no instruction to do so on the app! I was told it is told in the online account once you log in using a computer, however, that is not what you use to deposit the check! The instructions should be included on the app, especially if its a requirement! 
I have also submitted a check in XX/XX/XXXX that was approved and cleared and it didnt state for mobile deposit only. An institution can not pick and choose when they want to enforce a rule! 
I am now out of town with no money because of this! I can not add those words to the check for another week! The physical check is at home! This is not right!

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