vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 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: I.C. System, Inc.
State: NC

Complaint narrative:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 

2. Account Number : XXXX Please remove it from my credit report. 

3. Account Number : XXXX Please remove it from my credit report. 

4. Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. Account Number : XXXX Please remove it from my credit report. 

8. Identity Theft Account Number : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX I appreciate your prompt attention to this matter, and await your reply.

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 2021-10-26 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: AmerAssist A/R Solutions, Inc.
State: NC

Complaint narrative:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 

2. Account Number : XXXX Please remove it from my credit report. 

3. Account Number : XXXX Please remove it from my credit report. 

4. Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. Account Number : XXXX Please remove it from my credit report. 

8. Identity Theft Account Number : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX, I have been a victim of identity theft. I just received my credit report and I noticed unauthorized items that shouldn't be in my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: F.H. Cann & Associates, Inc.
State: FL

Complaint narrative:
I contacted the company the weeks of XX/XX/XXXX - XX/XX/XXXX in regards to a debt that was in collections. Speaking with several agents over a week period I countered their settlement agreement and was advised that it was not accepted. I advised them that I was not able to accept the offer they provided and asked them to send me a letter in writing stating that my offer was not accepted. I was advised that they would not be able to send me no such letter. Speaking with a supervisor he advised the same thing and told me they would be able to send me a letter with the offer they provided. At that time I disconnected the call and made no further attempts to resolve the debt. 

On XX/XX/XXXX I received two letter in the mail from the debt collector, one stating the amount they would accept and the other advising the binding payment agreement we agreed upon which never happened. I contacted the debt collector on XX/XX/XXXX advising one of the agents of the letters I received and advised her that I never agreed to payment arrangement. She stated that she was able to see in the notes where I did. I advised her that I did not I offered an amount that was not accepted but I never agreed not accepted they over they provided, let alone made a binding agreement. She then placed me on hold to get a supervisor. The male supervisor came on the line and advised me that the letter I received was not an agreement letter it was an offer letter stating what they would accept. I told him that I received two letters one with the offer and another stating that I came to a binding agreement and it had the terms and conditions. He advised me that I could ignore the letter throw it away and I do not have to pay it if I don't want. I advised him that was not the problem and that I never made an agreement and that was false/fraud. I told him that I would be filing several complaints and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
THERE ARE TWO TRANSACTION THAT WAS MADE WITHOUT MY AUTHORIZATION .... I WANTED SERVICE BUT I DENIED THE SERVICE DUE TO RACIAL TENSION, YET I WAS STILL CHARGED. i EXPLAIN THIS TO THE BANK

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 2021-10-26 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 — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I do not have a credit score. I need one. I am trying also to have the best credit score and buy anything on credit. i am trying to have a 800 credit score at least. I need to purchase things. i think the credit companies need to give better and higher credit scores. I always paid my bills on time. I need to buy a car without a cosigner and a house. Please fix this and a major credit card. Thank you. Credit Karma is not even showing my credit score. I need the companies to show my credit score. I need the most help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: FL

Complaint narrative:
I am filing this complaint because my rights as a consumer have been violated under the FCRA because I have not heard anything from this company in 90 days regarding my disputes and I have sent two dispute letters requesting a debt validation to CREDIT BUREAU SYSTEMS COL PADUCAH

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 2021-10-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I ordered clothing in XXXX. The clothing showed as delivered but I did not receive it. I notified the company. I also notified the credit card agency that I never received my order. I was told first that I needed to fill out an affidavit, which I did. Then I was told I needed a police report, which I went and filed. I was given a credit for the items. I sent copies of both of these items to both companies ( XXXX XXXX XXXX and Commenity Bank. ) They then claimed the affidavit was not signed, which it was. They then charged my card again and added fees with no explanation or request for more information. I should not have to pay for something I never received

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: WI

Complaint narrative:
XX/XX/2021 I filed a complaint against PNC over what I clearly see as deceptive marketing practices related to their Overdraft Solutions. Solutions that do not come close to what they claim. Solutions designed to create a false sense of security, solutions that do nothing more than create fee income for the bank. 

Moreover, every person you talk to gives a different answer to a question. Since the day I walked in the door, no matter what info I am looking for, what process or procedure I am looking for instruction on, I am told the last information I was given was wrong. 

Im fed up. Done. What Will it take for government oversight into what PNC gets away with? What? 

Complaint no. XXXX filed XX/XX/2021 will provide any and all facts relating to this now, 2nd complaint. Nothings changed! In fact, things have only deteriorated. Now, my complaint isnt stopping here or at the XXXX. Im proceeding on filing with the FTC, Wisconsin Dept of Financial Institutions, The Federal Reserve Board, The Office of the Comptroller of the Currency and any other agency I come across that may hold any amount of oversight here. They make up the rules as they see fit, as they go along! A practice that makes it easy for them to enjoy economic gain. I am not paying their latest ransom for deceptive marketing/practices and will be closing this account. But not until every oversight agency is notified,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: LDF Holdings, LLC
State: OH

Complaint narrative:
I recently lost my job and since day one of that happening I contacted SkyTrailCash in order to try to work out a repayment plan since my income changed due to being laid off. I offered to make $ 40 monthly payments in order to prevent the account from defaulting even more. But all I've encountered by this company is pushback and trying to make my pay my regular payment of almost {$100.00} per paycheck. I don't know what else to do in order to get this resolved with these people. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I have contacted this company several times along with XXXX to have this account removed from my credit report. They ask me to contact XXXX to have the notations removed which I did. I have attached the letters provided to me that assured me that this would be removed from my credit report. It is not my responsibility to correct this issue but in still have been given the run around by both Medical Revenue Service and XXXX. It has been over a year going into two years and this is still on my credit report. This should not be a dispute at this point it should be removed.

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 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: MD

Complaint narrative:
The annual fee of {$140.00} posted to my account on the XXXX statment. I called the bank just before the due date to pay and requested to close my account. I asked to have the annual fee reimbursed, which in my understanding is the procedure that the bank is legally required to do. The representative on the phone said they would not do it because they had instituted a new policy that they don't do it. 

I just now on XX/XX/XXXX received my XXXX statement dated XX/XX/XXXX. I am not sure how it took so long to arrive but I assume they did not send it untial recently. That statement indicates an interest charge of {$1.00}. 

I have logged into the Banco Popular website and downloaded my XXXX statement, dated XX/XX/XXXX. This has not arrived in my mail. This statement indicates a past due charge of {$29.00} and additional interest of {$1.00}. The total due is now {$180.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: CO

Complaint narrative:
I purchased two pieces of furniture a bed and a side table from XXXX XXXX located at XXXX XXXX XXXX XXXX, CO XXXX ~ phone number XXXX XXXX. 
They offered a system of financing through ACIMA. The total amount for the financing upon XXXX XXXX was {$360.00}, however, ACIMA is saying it is a difference upon them is {$400.00}. I agreed to the financing and to do it in three equal payment installments a month deducted twice a month from my bank account and or DC. This remains between a 90n period to not incurred in interest after this time. 
When I talked to ACIMA we discussed these terms and ACIMA agreed to collect funds and send a proper warning about deadlines payments. 
I reviewed my bank statements and noticed that ACIMA has not collected the entire full amount of XXXX by XXXX, instead they in the last month of the 90 day they only collected XXXX. The current amount showing it was taken from my account was XX/XX/1940, XX/XX/120, XX/XX/XXXX XXXX and XX/XX/100 XX/XX/XXXX XXXX A total of XXXX remaining bce of XXXX. 
This company ACIMA did not take the funds from my account as agreed either they sent any warmings of upcoming payments and deadlines. They instead deceived me by not taking the last full payment and now out of a balance of XXXX they increased that balance with interest to {$560.00} alleging that I owe that money, when I paid 95 percent of the total amount financed. This is an increase of over 1200 percent. This is not only predatory but an scam. 
Please I need help investigating the fraudulent business practices of these companies. The phone call recordings I had with ACIMA about payment terms should be in their database. 
The contract number with ACIMA I was tol is XXXX Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Golden1 had a planned outage, Friday XXXX to Sunday. On Monday, XXXX I was still unable to access my account. Bills are due. I called from work at XXXX, and requested a call back and held my place in the queue. I never received a call back. When i tried to reset my password, a telephone number not mine was linked to my account. Golden1 XXXX XXXX page shows a number of people with the exact same issues. I dont know if my bills have gotten paid and I dont know whether my funds in my checking are adequate to cover everything. The bank will not call me back and the branch is open minimal hours. My bank has locked me out of my account and will not respond. 

Tuesday XXXX at XXXX all issues persist.

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 2021-10-26 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: Direct Recovery Services, LLC
State: FL

Complaint narrative:
Company continually calls and leaves voicemails despite not having any debt in my name. They continue to call despite me letting them know they have the wrong number. Furthermore this doesn't even sound like a real company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: VT

Complaint narrative:
I have an account on binance.us with several thousand dollars of USD and virtual currency in it. In XX/XX/2021 binance.us disabled all functionality on the account. I can still login, but can not withdraw my funds. They have said I must verify my account, which I have tried to do multiple times over the past 8 months. I have sent them information that they have requested, such as photos of my state driver 's license, US Passport and bank statements, and still they have not resolved the issue. 

All I want to do is withdraw my funds and close my account. binance.us is a very sketchy company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I entered into a consumer credit transaction with XXXX XXXX XXXX dealer on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX dealer took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX dealer made me purchase insurance separately. XXXX XXXX XXXX shall be held liable and accountable for withholding information that shall have been disclosed to the consumer in a consumer credit transaction. The consumer was never given two copies of the recession notice and the required disclosures in a credit transaction according to 15 USC 1635 ( a ) ; Regulation Z 15 CFR 226.5 ( b ), and 15 CFR 226.15 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$920.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$990.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. 

That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they're simply ignoring the proof that I've sent them.

Company response to consumer: Closed with explanation