vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 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: CA

Complaint narrative:
Opened a Citi account online due to the promotional bonus they are offering by keeping $ XXXX in the account for 60 days. I initiated a bank transfer online from my external bank 's personal checking account. I initiated another transfer to ensure I meet the $ XXXX requirement for the bonus. My account was then suspended for no reason. Called several times and was told I would get a call back in 24 hours. Have not gotten any calls back in 2 days. I called and after hours I was connected to an agent that told me my account is referred for closure and I can not access my funds until they close the account, which would take 60 days. They are keeping my money XXXX and they do not have any right to do that. Feel so helpless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
around XX/XX/2021 I file a dispute with experian to dispute XXXX XXXX XXXX due to reporting inaccurately on my credit report XXXX XXXX is reporting undera bank ruptcy that I have also disputed and Experian is saying they validated all the information that I disputed through a third party agency I explained to experian that I do not have a bankruptcy I was told that I needed to submit proof that I did not have a bankruptcy I contacted the court house attached to the bankruptcy and also attached to XXXX XXXX XXXX and was told that they do not release information to the public I contacted experian again and explained that the courthouse does not release information to the public experian told me that they have already validated the information through a third party

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 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I used Citizen 's Bank 's automated system to check the balance in my checking account ending in XXXX and savings account ending in XXXX and noticed that {$5000.00} was suddenly missing. My access to online banking was also deactivated. After calling customer service I was told that the bank had placed a {$2600.00} hold on my checking account and {$1200.00} hold on my savings account as they were reviewing my account. I called the local branch the next day and was told the same thing and that the fraud department wasn't giving them further information. Between XX/XX/XXXX and XX/XX/2021, I had received various bank to bank funds transfers to my checking account organized by two third parties with the intention of having me send the money to others as bitcoin. One of the parties was my employer and the other was my partner. I had withdrawn and sent out all the money from these funds transfers. I knew the entities I sent the funds to and was not being scammed. 

I informed customer service I would take legal action against the bank if the funds were not returned to me. They promised me the Office of the Chairman would contact me within 2 business days at my phone number which I provided them. But I never received a call.

I contacted customer service again several times through online chat, text, and phone call to try to find out what would happen to the funds on hold. Customer service on chat told me that on XX/XX/XXXX the holds would be removed and my accounts would be credited for the funds and there was nothing to indicate the funds would be returned to their senders or my accounts closed. 
I was also told by customer service over online messenger that the Office of the Chairman had attempted to call me but my number was not in service. I provided them the number to my other phone. 

On XX/XX/XXXX I noticed my checking account information did not generate information on the automated phone system. I called customer service and was told my accounts had been closed. They had done so without notifying me. Customer service could see nothing in the accounts about the holds. But one agent called various departments and told me that the money in my accounts that had been placed on hold would be sent to mailed by check on the XXXX. 

On XX/XX/XXXX I called the customer service again and they transferred me to a supervisor who could not confirm if I would be issued a check. I called my branch and the banker told me that the funds had been returned to the senders. So now I am short of the {$4000.00} I withdrew and sent after receiving these funds transfers. I am unable to contact the senders to ask them to reissue the funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I C System placed an account on my credit reports without notifying me about the account. I have tried numerous times to get information about this account and this company has refused to give me any information about the 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 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC
State: NC

Complaint narrative:
receivable recovery service placed an account on my credit report without notifying me about the account. I have tried numerous times to get information about this account and this company has refused to give me any information about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH PORTFOLIO RECOVERY ASSOCIATES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
XXXX  card dcfs.. and XXXX  unemployment for almost a year off and on at XXXX XXXX , plus XXXX XXXX XXXX XXXX XXXX purchases under the other XXXX XXXX and are compromised and my emails keep getting back, and making additional ones. Moving money in my name at banks and have insurance on phones purchases through XXXX XXXX and theft and loss assistant and addition. I verified acct made a claim on an XXXX XXXX, due to Al acts being shut down and they absolutely sabotaged me and Ive called police and reported it and I know it was someone in my home now, due to my ignorance of how things work and I wasnt getting anything sent by email or mail. So how do I know for a year or so what has been in my XXXX besides my mail informant that the post office made for me like 3 years ago which the person goes behind me and has changed that and XXXX and cashed out my kids cd and has changed info and bday where they wouldnt pull it up and did that with XXXX  XXXX also but now it is back to Normal with that.Im waiting on XXXX and grant. money and they said to apply for funding and grants as I did and was approved and it say XXXX web XXXX XXXXXXXX  like XXXX  ) XXXX has said hijack browser and I just want it to end and keeping financial aid money through bank mobile and also school at XXXX and sign and run my credit score daily for years please look into everything Im saying please. Dont know what else to do and Im out of options here. They have used remote access control access as att said and apple, as I called capital one and acct there I dont have the number so they wont give me the info. Also at regions and this has been going on changing my numbers and my credit report was supposed to be friezes and XXXX  it and its XXXX pages long with experian. Also student loans I havent been to school since XX/XX/2018 and they have also off and on at dept of education. Everything is messed up purchases and my child support XXXX XXXX and any fund I had applied for and I do not know what to do Collecting unemployment got me shut off insurance XXXX and my 18 yr old and ebt and I am located in Louisiana where storm just hit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: MO

Complaint narrative:
My identity has been compromised in which lead to someone opening up fraudulent accounts in my name therefore Im demanding that the following accounts be blocked and removed from my credit files. 

a. XXXX XXXX XXXX {$68.00} b. XXXX XXXX {$1700.00} c. 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 2021-10-18 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: MO

Complaint narrative:
My identity has been compromised in which lead to someone opening up fraudulent accounts in my name therefore Im demanding that the following accounts be blocked and removed from my credit files. 

a. XXXX XXXX XXXX {$68.00} b. XXXX XXXX {$1700.00} c. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: MO

Complaint narrative:
My identity has been compromised in which lead to someone opening up fraudulent accounts in my name therefore Im demanding that the following accounts be blocked and removed from my credit files. 

a. XXXX XXXX XXXX {$68.00} b. XXXX XXXX {$1700.00} c. 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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is the THIRD complaint Ive filed against Experian. The previous TWO complaints stated that Experian has failed in its responsibility to remove my bankruptcy from their file. It was agreed and ordered that this bankruptcy was to be removed from my credit file after a five year period per court order. XXXX and XXXX XXXX have followed this order. 
In the multiple attempts to dispute this bankruptcy with Experian, Ive failed in have this stricken from their file. Every time they claim that the bankruptcy is to remain on their file, it states that theyve used a third party to verify public records and that I may contact them. Back in XXXX of 2020 I did just as they suggested. 
XXXX conducted an investigation and deemed that the bankruptcy was to be removed from their records. Ive provided multiple uploads as well as copies via mail stating the aforementioned by XXXX. It has the consumer number of XXXX and case number of XXXX. 
Ive contacted the dispute department of Experian after multiple hang ups or no option given for this type of a situation. This is the most frustrating part of dealing with Experian. Everything is automated and no one knows where to direct me if I get lucky enough to speak to a human. 
In the few times Ive gained the disputes department, Ive requested a manager. 
After telling them the same story time and time again, I get different suggestions to what I should do next. 
At one point I was told that XXXX has access to their system and that XXXX can update. 
Ive called XXXX and they werent sure what Experian was talking about. This whole process is a three ring circus. Please get involved with resolving this matter in dealing with Experian. They dont do their jobs and seem to just run algorithms/ protocols on disputes and dont really have a human contact XXXX for verification of their investigation of which Ive enclosed multiple times. 
Finally, after every dispute, Experian never includes any documentation supporting their decision. Id like a copy of XXXX starling the opposite of what I have in a letter stating it should be removed form XXXX. I have to provide documentation and curios as to why the dont provide supporting documentation. The only answer I get is that its to REMAIN via a third party provider and to contact them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: MO

Complaint narrative:
The following accounts do not belong to me, therefore Im demanding that these accounts be removed from my credit files. 

1. Credit Factor Accounts ( CH 13 ) 2. Credit Factor Accounts ( CH XXXX  3. XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: WI

Complaint narrative:
Around XXXX or XXXX of 2021 I disputed a chapterXXXX bankruptcy reporting on my Experian credit report the dispute came back as validated from a third party source I tried explaining to experian that the chapter XXXX bankruptcy was not mine Experian told me I needed to submit proof that the bankruptcy was not mine I contacted the court house attached to the bankruptcy to ask for proof I was told that they do not release information to the public I called experian back and they stated I could not submit another dispute because I had already submitted a dispute disputing the bankruptcy reporting on my credit I would like the bankruptcy that is reporting on my credit removed and or validated from the direct source not a third party source by experian inaccurately reporting this chapter XXXX bankruptcy inaccurately it is damaging my reputation and character

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 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH XXXX XXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: MO

Complaint narrative:
The following accounts do not belong to me, therefore Im demanding that these accounts be removed from my credit files.

1. Credit Factor Accounts ( XXXX XXXX ) 2. Credit Factor Accounts ( XXXX XXXX 3. XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: MO

Complaint narrative:
The following accounts do not belong to me, therefore Im demanding that these accounts be removed from my credit files.

1. Credit Factor Accounts ( XXXX XXXX ) 2. Credit Factor Accounts ( XXXX XXXX 3. XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I have never received a bill from the hospital, nor any type of communication from the collection agency regarding these debts from Transworld System. I first learned of the accounts when they appeared on my credit report. I first disputed the debts on approximately XX/XX/2021 with no resolve. I requested verification from Transworld System and they sent me itemized statements from the hospital which state THIS IS NOT A BILL. I re-disputed the information with XXXX and submitted the documentation from the collection agency and they still did not remove the accounts from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
around XXXX of 2021 I started a a dispute with experian due to Nebraska XXXX XXXX reporting inaccurately Nebraska XXXX is reporting under a bankruptcy I have also disputed the bankrupcty with Experian and Experian is validating information from a third party source I contacted Experian after the dispute was unsuccessful and explained that Nebraska XXXX XXXX was reporting inaccurately and they stated I needed proof that the bankrupcty was not mines I tried explaining that I contacted the court house attached to Nebraska XXXX XXXX and was told they dont release information to the public and Experian stated that the information was validated by a third party source

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 2021-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
InXX/XX/XXXX my entire student loan was paid off and I received a letter in regards to the information from the XXXX and my previous lending company. After moving several times during a divorce I found my loan was no longer paid and I was in collections. I made a repayment plan with the original lender who added XXXX in hidden fees. I asked why this was and they explained the original loan amount is used when in default. I signed up for a current COVID income repayment plan as I work as a XXXX  and support a large family. They have recently added an additional {$10000.00} in interest and {$4000.00} within the last month. My original loan was {$10000.00}. I owe {$30000.00} interest which is virtually impossible to maintain and make payments on and more than my original loan amount. Due to being a single mother of XXXX Ive been on an income repayment plan but the interest and charges they keep adding on seem unreasonable. 
I work for a non profit and my loan is eligible for a grant but they switched my original federal loan to a private loan so it is no longer eligible. 
The student loan has destroyed my credit and it is an unreasonable amount of fees and interest to ever possible pay on a {$10000.00} loan. Im at an 100 % interest rate as the company tells me they are able to charge these $ XXXX {$10000.00} fees if I chose to be on an income based repayment program. I didnt read or agree to the hidden fees. I do not see my original loan amount in any documents they supplied me only fees of interest and interest capitalization. No original loan amount even owed. I never went to XXXX XXXX in XXXX either! None of their information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureaus are reporting inaccurate information on CB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation