vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 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: FL

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF ; THE CFPB ALSO SPECIFIES THAT WE DO NOT INCLUDE ACCOUNT NUMBERS, ETC IN OUR COMPLAINTS BUT I HAVE ATTACHED MY LETTERS THAT HAVE BEEN SENT TO YOU 3 TIMES AND WILL INCLUDE MY ORIGINAL COMPLAINT AS WELL! 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: WA

Complaint narrative:
Optimum Outcomes XXXX XXXX XXXX, XXXX, TX XXXX sent me a collection letter dated XX/XX/2021 and called me prior. On XX/XX/2021 I called Optimum Outcomes and spoke with XXXX. When I gave him my phone number and birthdate, he said it did not match and stated there is an error and it will be corrected and I can ignore. I also contacted the creditor and they said my account has no discrepancies. They have another member with the same name file and that may be the error. 
On XX/XX/2021 I mailed Optimum Outcomes a letter outlining the above and requested they provide me documentation regarding the debt, to cease contacting me and to ensure no negative information passed to the credit bureaus. 
Since then, I've been contacted by Optimum Outcomes on XX/XX/2021 and XX/XX/2021. 
I called Optimum Outcomes on XX/XX/2021 and spoke with XXXX and reviewed the above information. She again verified my personal data did not match what they had on file. 
I've mailed Optimum Outcomes another letter on XX/XX/2021 to dispute the collection and to cease contacting me. 
I called the creditor on XX/XX/2021 and she sent her Account Manager an email to contact Optimum Outcomes to correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: TX

Complaint narrative:
XXXX XXXX XXXX Sales Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX - CARD XXXX XXXX Credit Card Cos. 
XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I recently obtained a Raymour and Flanigan credit card through TD. I have not received a statement and am unaware if a payment is due or how to make a payment as i do not have an account number yet. I have attempted to register online to self service several times but am unable without an account number. I have tried to call customer service multiple times and am always on hold for at least 30 minutes before i give up. I waited one time over an hour and a half on hold with no answer. I have never been able to speak with a representative. Additionally i have emailed two separate addresses at TD and received very prompt responses to both giving me a phone number to call in order to receive assistance. In both cases the hold times were greater than 30 minutes and i was not ever able to reach a person. In one email interaction i asked for someone to call me back. That request was never addressed or fulfilled. At this time i am unaware of my payment amount, due date, or how to make the payment and i am concerned that my promotional financing will be impacted. While hold times can fluctuate, excessive hold times for multiple weeks with no workarounds are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY CARD AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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:
I'VE REACHED OUT TO ALL REPORTING COMPANIES ASKING FOR A SIGNED CONTRACT, AND I HAVE NOT EVER RECEIVED ONE. WE I CONTACT THESE COMPANIES ON THE PHONE AND IN WRITING WITH MY REQUEST THEY NEVER RESPOND WITH A SIGNED CONTRACT. THERE IS NO PROOF ( WITHOUT A SIGNED CONTRACT ) THAT I AGREED AND THAT I AM RESPONCIBLE FOR THESE DEBT 'S!

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 2021-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have tried to close my account with Robinhood.com. When I attempted this, I could not withdraw my money from my account due to Robinhood blocking my transfer. When I tried to transfer the money FROM an external bank account XXXX, Robinhood illegally blocked the transfer by saying they could not prove the external bank account belonged to me ( even though these bank accounts were already linked and had made transfers before. 

I could not close my account because my balance was not {$0.00}. I first tried to contact Robinhood support on XX/XX/XXXX and have emailed multiple times since, but I have received no response and my money is still unretrievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This firm has contacted me twice regarding an account from 2015. Twice, I have asked to be shown the unredacted Bill-of-Sale that shows both the DATE and the amount their client, LVNV Funding, LLC actually PAID for this old account. They are claiming I somehow owe " them '' {$1600.00}. Unless they can show/prove that they actually paid this amount and " WHEN '', I believe I owe them nothing. I am disputing both their claim and the amount they believe I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX billing cycle ends & starts on the XXXX of each month, however the bill is due on the first so when I made a payment in 1 month & then made the payment the next month its shows I made 2 payments in 1 month I called XXXX & they said I have no late payments and told me to start making the payments after the XXXX of each month - this is on my credit report as derogatory ( 30days past due ) when I talk to the representative @ XXXX  they figured out what happened by me making the payments on the XXXX of each month - the payment is {$74.00} - however I have been paying {$140.00} each month to pay it off in 3 yrs instead of 7yrs ( the representative @ XXXX says I have no 30day past due payments ) I dont understand how this is showing up on my credit as a negative there contact phone # is XXXX ext XXXX and the account number is XXXX can you please fix the inaccurate negative mark off of my credit report- thank you 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 2021-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I obtained a loan online from cash net USA and after several repayment costs were withdrawn from my bank account I raised concerns about the payments not being subtracted from my overall balance even tho they were paid, I could not get in touch with ANY employees from the company. I worked with my financial institute for several weeks and after not being able to get in contact with anybody my bank was forced to stop payments and the company sent the balance to small claims court. I still have not been able to reach anyone from the company only a lawyers office threatening to serve me at my place of work if I did not pay electronically a total of {$3000.00} immediately of the {$1500.00} payday loan received. The payments made have still not been taken off of the total balance of the loan at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: FL

Complaint narrative:
At least 15 different accounts is inaccurate and fraudulent. Also, all three bureaus show different information with confirms my statement under the Fair Credit Reporting Act. I have documentation which lists which account or inquiries are to be removed. I have also sent papers to each of the credit bureaus to have this removed and investigated around XX/XX/2021.

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 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: PA

Complaint narrative:
XXXX at XXXX I am responding to your contact about collecting a debt. You contacted me by email on XX/XX/XXXX and identified the debt as owing {$1300.00} to XXXX at XXXX. I do not have any responsibility for the debt you are trying to collect. This is not my debt and I do own no ownership of it. Please stop all communication with me via email, phone or otherwise, and record that I am disputing any obligation for this debt. If you attempt collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

They have been calling for months after I sent letters again in XX/XX/XXXX. I now have the debt listed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: LEXISNEXIS
State: IL

Complaint narrative:
i contacted lexis nexis 6 different times and was directed to submit documentation via email. The email they keep providing me with isn't valid. This company is reporting a bankruptcy on my consumer report which one employee says they received from XXXX ; when i spoke to XXXX they denied providing that information. the other says they got from a employee of the court, that's not true! upon me contacting the court an employee told me they DONT NOT GIVE OUT PERSONAL INFORMATION. I've also asked for the name of the employee at the court who provided this information to Lexis Nexis and no name could be furnished to me or documents.All both reps kept telling me is they received this information from the source, i challenge the validity of this, i know this is a lie, XXXX denies it and the courts told me they did not. I am and was disputing the validity of the Bankruptcy their reporting on my file WHICH THEY DID NOT OBTAIN FROM A COURT OFFICIAL. if they verified this information they should have supporting documents i would like to see them, since its attached to my consumer file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
1. I obtained this card from BBVA on XXXX, XXXX  2. the card was blocked about an week after I used it, then I called BBVA several times, each time, I was told there was some system issue with the bank so I was asked to wait. 
3. about on mid XXXX, I was still not able to use the card, so I called again, and was told there was some suspected fraud activity and I need to contact fraud department. 
4. I called the fraud department after on hold for one hour, then finally reached some one, who has requested me to go to local brand for verification, which I deemed too risky during the pandemic, then the agent contacted her manager, and asked me to send a selfie picture with ID, which I promptly sent it the second day.. 
5. After two weeks, I am still not able to use the card, so I called again then I was holding for another hour, then I was told to wait until someone reaches me. 
6. Now it has been an month since I send in the picture, I am still have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: LEXISNEXIS
State: TX

Complaint narrative:
I called XXXX XXXX on XX/XX/2021 regarding a Bankruptcy file that was submitted from Lexis Nexis to XXXX, XXXX, XXXX. I have not received any correspondent regarding the Method of Verification regarding Bankruptcy that was reported to the agencies. I was given Consumer Number # XXXX, Case Number # XXXX was also informed by the United States Bankruptcy XXXX XXXX XXXX do not report this information to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CREDIT MANAGEMENT , INC. are attempting to sue me for a debt. The company has used unfair, and unconscionable means to collect or attempt to collect debts. The company did not present the original contract. Pursuant to 15 USC 1692 ( I ) ( b ) : Authorization of actions : nothing in this sub chapter shall be construed to authorize the bringing of legal actions by debt collectors. 

This debt collector has placed derogatory items on my consumer credit report and participated in identity theft regarding my information. I have never given this company direct consent to obtain any of my information. 

The company had its attorneys reach out to me in which no remedy was given. Pursuant to 15 USC 1692 ( e ) ( 3 ), attorneys are of false representation. However, my instruction for remedy was not completed properly. Both companies have violated the TILA, FDCPA and FCRA. I would like remedy and this matter to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Filed claim # XXXX for {$600.00} on XX/XX/2021 to Suntrust Bank for XXXX transfer that was sent to fraudulent person/company. They denied and closed the claim XX/XX/2021 and told me to contact person directly which I did numerous times with no results. I filed police report online with no results either.

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 2021-02-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VALLEY NATIONAL BANCORP
State: AL

Complaint narrative:
Valley National Bank is trying to receive additional payment from a debt I have already paid on the mortgage my mother had she is now deceased due to covid. I paid and closed the account XX/XX/2020. They continue to send letters and harassing calls saying I still owe them because I was a cosigner. I explained to them I have my bank statements showing where I paid the balanced my mother owed. Her mortgage was {$830.00} but she had additional fees charged to it. The total to close the account was {$980.00}. I paid it and again they continue to send letters and call harassing me for payment and have now went to collections. Any help would be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: DISCOVER BANK
State: TN

Complaint narrative:
I got scammed by phone with my discover credit card, they took my card information and took XXXX from my account, its been 3 years I filed police complaint, and told the discover card company about it but they keep telling me you have to pay for it, so im in bad situation since then looking for lawyer to fight for that, and credit repair company to help me out of this problem, so please help me out asap. I have also police report with me, so please help me out asap thanks, ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
For over 2 months this company, EOS CCA has called me in excess of 200 times looking for someone I don't know! I have repeatedly requested for them to remove my number! 1 week ago I received 30 calls from them in one day all from different numbers but the same woman asking for this person I don't know! 
Today I received another call from a new number but the same woman stating " I know you know who we're looking for '' and when I again stated I do not know that person she said " we will continue to call until I get to speak to her ''! 
This is harassment plain and simple! I have no collection accounts, all my bills are current, why is this happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
On XXXX I opened a Priority Checking and Savings account using an online promotional link with CitiBank. Citibank refuses to pay the promotional bonus. They claim the account was opened without the promotion. This is simply nonsense as I have a printed copy of the online promotion and a confirmation email. 

The net of the promotion was that I had to open the checking and savings accounts then fund and maintain {$50000.00} in the combined accounts for 60 calendar days. Once completed my account was to be credited with a {$700.00} bonus within 90 calendar days. I funded the combined accounts on XXXX with {$52000.00}. This action more than met the funding requirement. As of this date I'm STILL maintaining that funding level. At no time did the funding level drop below the minimum {$50000.00} requirement. According to the terms of the promotion I should have been credited the {$700.00} bonus on or about XXXX. 

On XXXX I did an online chat with XXXX at Citibank. He CONFIRMED that I met the requirements of the promotion and that I should just wait another week or so for payment. The payment never came ... 

On XXXX I called Citibank .... After 6 attempts to speak with a human and having the call dropped I finally was able to get through to XXXX. He would not confirm or deny the promotional bonus but agreed to open a complaint. I received confirmation number XXXX On or about XXXX I received an email notifying me that I had correspondence available online. I logged into the Priority account and found a letter denying the bonus and claiming that the account was opened WITHOUT the promotion. The letter further indicated that if I disagreed with the outcome to fax additional information or other proof to XXXX. I PROMPTLY did exactly that .... 

Its now XXXX and I've received no further communication from Citibank. I believe at this point that the bank is just ignoring me and hopeful Ill just go away. I believe they have committed a fraud by denying me this promotional bonus money. I am hopeful that you can assist. I have significant paper documentation of all of this history and will be happy to get copies to you if needed. 
THANK YOU

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