vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Both my wife and I are on the Equifax " MyEquifax '' accounts. I was bumped off of the paid " Equifax '' account and when asked about it was told that the " Equifax '' accounts are no longer available to the public, they are now being used by businesses. But when going to Equifax.com we can see that there is still consumer access to the regular " Equifax '' account. And we also see that there is a " Family Equifax '' account that's fee based. We've been restricted from choosen the Regular and family Equifax accounts. And also find it very strange when talking to an Equifax agent where the story is usually very different from one to the other. But for sure this has been a problem for months now, much like us being able to go to " XXXX '' and download a credit report. It has been well over a year that I have not been able to download a free credit report that The FTC said should not be the case. 

Also, on our MyEquifax account, the Report reads as such : AS OF : XX/XX/2021 but the reported data is dated as : XX/XX/2021 - which means we only have access to outdated material. Or the account is not being updated to reflect what is being shown in our present reporting ... which has been something that we've not been privileged to for the longest. I'm told to open a separate report on not being able to download a free report from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: IN

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened a savings account to Goldman Sachs on XX/XX/2020. I made a deposit to their bank and ever since I've had issues logging in and accessing my funds. I tried calling and follow their directions in what to do and yet I'm still locked out. I deposited XXXX dollars and to my dismay they make it hard to access that money. Its not about the amount but the principality of allowing costumers their entitled money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
We have not been able to get the free credit report from XXXX XXXX XXXX, that is supposed to be the portal for such. When requesting it for download, it links us to an Equifax page that ask for my last four and from there it goes to a page that indicated that it is not available for downloading, which is very different from the other two credit bureaus, and it also indicates that I need to send it various documents to an address and it list what is required. 

I've attached a screenshot of the page that restricts further access and ask for documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
The business is Consumer Portfolio Services and they are a loan shark company. My purchased vehicle is worth {$14000.00} but yet I owe {$30000.00} o n the loan. My cosigner died and the dealer stated I could refinance vehicle. They stated that they were an investment company and it defeats the purpose for those who had a recent bankruptcy and there they only company dealers are using to help those reestablish there credit. Furthermore its majority XXXX American citizens and the systematic XXXX  used at dealerships to place XXXX borrowers with this company is bias. I recently tried to refinance car and they wanted {$20000.00} down. I've been paying for 2 years and only {$4000.00} has been applied. They should not be able to do business like this targeting only XXXX borrowers. White people file bankruptcy as well but seem to recover just fine. XXXX families seem to just keep getting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: MS

Complaint narrative:
I would like to file a complaint on Republic Finance. The loan was taken out in XXXX. I paid the company up to the amount that I owed, and they took money out of my account. They have a lot of hidden interest rates that exceed the money you borrow. The loan was closed on my credit report and was recently sold to another lender, once I filed my last complaint causing my credit score to decrease. It is now XXXX. The account should be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
The issue that I am having is such ; the credit reporting agencies claim that I owe for three loans that they claim were issued in XXXX but I only got one loan for one semester. I only attended XXXX one semester but there are three loans and I qualified for a Stafford grant then so that paid for a percentage close to XXXX XXXX XXXX. That's XXXX near one semester so why does the loan company day I owe for three more loans totaling almost XXXX XXXX? When I was in XXXX  I filed a credit report and noticed that in XXXX they reported my loan was forgiven and since XXXX was involved in the loan scam I believe it was forgiven but as soon as I got released from XXXX  a few months later in XXXX someone got three loans they say I owe for now but they are saying it's still from XXXX but I am certain they said I owed nothing in XXXX. Could you please help me with this issue? They refuse to forgive it and I've only had one loan and when I took as semester break I was charged and sent to XXXX  so I never got to complete college. It's my first loan and I don't know why I don't qualify for forgiveness if worst things the loans are they original loans. And if they are why were they removed and then put back? And why does the credit collection companies buy debt that I still owe to the courthouse or county for court costs? Why do they keep selling it to other companies before it can arrange payment plans?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I signed up for a Citi Bank N.A. new checking account offer. First time Citi account opener ( which I was ). Open a new checking account, and deposit {$5000.00} in new funds. Then hold the {$5000.00} in new funds for 60 days or longer, and within 90 days Citi will award a {$200.00} bonus. I deposited {$5000.00} and held it there for over 90 days, but did not receive the bonus. And, when I reached out to people at Citi to resolve, I received no help. I have attached screenshotted proof of my transaction history, showing the {$5000.00} going in on XX/XX/20 and staying for over 90 days. Thanks for your help.

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 2021-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
Wakefield and Associates is claiming I owe a debt, and the balance of that debt is {$0.00} but somehow shows up on my credit report as a debt/balance owed. I never owed them anything so I never paid anything late and therefore shouldnt be a balance at all especially a XXXX balance. Please take this off all credit reports its causing a lot of problems for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally had put a loan on my credit report and I never had a car loan in my life. Thay said I owe {$12000.00} on a vehicle loan I never seen never signed and wont give me any kind of proof. Im at my end with this because of this I may have to file bankruptcy I owe them nothing and have no way to fix

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 2021-05-02 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Chevron card. Apparently the bank did a data migration and they 1 ) Changed my billing address and 2 ) Cancelled my automatic payments ( that have been set up since 1995 ). They claim to have sent out an email, although I have no record of this.

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 2021-05-02 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: MI

Complaint narrative:
Ally had put a loan on my credit report and I never had a car loan in my life. Thay said I owe {$12000.00} on a vehicle loan I never seen never signed and wont give me any kind of proof. Im at my end with this because of this I may have to file bankruptcy I owe them nothing and have no way to fix

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 2021-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
G C XXXX XXXX on XXXX the amount {$380.00} for a debt the does not belong to me. This same amount was disputed with Credit Collection Serv on XXXX in amount of {$380.00}. The company XXXX sent this on XXXX to credit agency Credit Collection Serv and now resubmitting to G C Services which again has been submitted to credit bureaus as a debt. Each time this has negatively impacted my credit by XXXX38 points. This should be against the law and is considered fraudulent. The credit bureaus will remove derogatory accounts but will not give back the points taken due to the misrepresenting/fraudulent activity! Companys are allowed to do this to hurt the person with no consequences because they know they will impact the persons credit score. Persons should not be affected by fraudulent activity on a consumer part. This is not fair or ethical.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MO

Complaint narrative:
It was Sunday, XX/XX/2021. I had read through some card offers, through my XXXX  online account, after checking my credit score. ( which was XXXX XXXX. I seen DISCOVER was offering a pretty decent one for 11.99 to 22.99 % variable APR w/ no annual fee plus 5 % cash back on certain purchases per a rotational basis, 2 % on gas and dining out and 1 % on everything else. So I unthawed both my XXXX  and XXXX  accounts temporarily, XXXX  because the offer was seen originally through their site and XXXX  because that's where it was stated in their terms they ran the credit check, and applied online. About 60 seconds after applying I was approved for a {$500.00} credit limit with the payments being due the XXXX of every month. I was informed that i should receive my new card in 5-7 days. Two days later I get a suspicious email from " verification services '' ran through XXXX  XXXX who I didn't unthaw nor gave any type of permission to share any of my info with anyone ) requesting two years of tax returns by e-signing a 4506-C document. It further stated in the email that DISCOVER was the one requesting the information AFTER I had already been approved. So i called DISCOVER customer service and spoke to a lady there and she said there was absolutely no record of verification services at DISCOVER requesting that info, and that i should not click any links within that email. she said my account was approved and everything was fine. There wasn't anything else there. So a bit relieved I just went on about my business. That is until I received a second email from that " VERIFICATION SERVICES '' requesting the same information again. This time I called the number on it. It was DISCOVER and it was them requesting 2 years of my tax returns. I asked the woman on the phone why they needed two years of tax returns for a simple XXXX credit limit and why this info wasn't requested during the application process and before the approval process if actually a requirement. She DID NOT answer either of those two questions. She just kept apologizing, but at the same time told me that they request the information with and from existing customers. I was a new customer that NEVER had a card with them before. Still finding her inability to answer my two previous questions and being dodgy made me very suspicious. So I told her to just close out the account i had just been approved for and that i would be filing a complaint with the CFPB. And here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company CAINE WEINER ( Original Creditor : XXXX XXXX ) account numberXXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Cycle Associates, Inc.
State: GA

Complaint narrative:
This is truly False it is Identity theft I am being SCAMMED by these FAKE popup international own noncompliance call collection agency and by all laws of health care provider, no one has that rights to create false billing to cover their own personal lost this is creating false billing, XXXX XXXX XXXX XXXXhould not be permitted by law with selling My information for pennies when I do not owe this medical practice anything whatsoever. It is I am a individual patients who has been harass and do have the rights to file suit seeking to recover actual damages. 
I do not owe XXXX XXXX XXXX XXXXny medical payments THIS false claim co-pay or false claim deductible is Greed and to falsely share my information to a third party has violated my privacy this illegal practice of selling an individuals debt to another call third party is a SCAM seeking money wanting to damage my credit, violate my Rights to live freely as a Citizen of this Country. XXXX XXXX XXXX has sold all FALSE Reporting adverse information this is all about trying to damage my freedom to enjoy life My Constitutional Rights hoping to damage my credit, and force me to pay a falsely created bill. 

These individual who has created this false outstanding credit scale are these outsource FAKE Collection individuals seeking greed to falsely report to consumer credit reporting agencies or credit bureaus FALSE information, this is not true it is FAKE. Question here is why am I always a selected TARGET to be SCAMMED when I OWE NO one especially when All MY Medical Bill have been Paid and there is no outstanding I have Insurance and I pay all on time when told and needed CO-PAYS or Deductibles there is NONE. 
This is illegality to shared information that is falsely shared on co-pays or deductible violating my privacy when no additional payments were ever discussed before the schedule procedure this is truly a false claim from a third party who have no legal rights Under the federal Fair Debt Collection Practices Act ( FDCPA ), a debt collector can not falsely collects debts owed to others. My information never should have any information on owing I owe no one this is cyber searching my medical life to damage my life and a SCAM. No one pays Co-Pay for Preventative medical NO ONE this was never discuss therefore, it is FALSE. 
The new health care law says all health plans* have to cover preventive services at 100 percent. That means no out-of-pocket costs for you, as long as you get them from a doctor or clinic your plan covers. By no cost I mean : You pay nothing to visit the doctor ( copays ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I have requested several times for Ameris to complete an accurate and current escrow analyst due to the decrease in my home property taxes. I have not only sent the required tax document to Ameris bank, but I have called on multiple occasions to confirm that the tax document was received. The decrease in my property tax went from the amount of {$4900.00} to {$2500.00}. After at least 3 months for calling and filing complaints about their failure to complete an analyst, Ameris finally decided to complete the analyst using the out of date tax estimate instead of the most recent one from XXXX tax office that shows an obvious decrease in my property taxes. I have not only faxed a copy of this new tax estimate, but I have also emailed this document as well.

Company response to consumer: Closed with explanation