vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
I am 100 % XXXX veteran and had some medical exams and surgeryndone that was approved by XXXX. I had my Congressman and Chief Duty Director of VA send letters that XXXX is paying this bill and to remove the negative account from my credit report. I even sent them the Protecting Veterans Credit Act of 2018. They have cost me a low credit score and high interest rates because they are breaking the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I have mailed letters to Vance & Huffman LLC ( on XX/XX/20 ) as well as spoke on the phone with the company stating I need validation of this debt they claim I owe. I have yet to receive a contract with my physical signature, nor have I received any form of mail correspondence pertaining to this debt. They are reporting on my credit which effects my employment. I spoke to the original creditor and was told that I have a {$370.00} balance with the company. I request that this account be closed and removed from my credit due to the fact I don't owe this debt and the company has failed to provide any documentation which is a violation of the Fair Debt Collection Practices Act. 
They have been sued in federal court for violating consumer 's rights while collecting on alleged debts. Among the numerous alleged violations, Vance & Huffman

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
Unauthorized inquiry made in XX/XX/2020 to XXXX  XXXX DBA XXXX  XXXX. Also I have 2 collections negative remarks on my credit report from a hospital and I was indigent. I had no income so I filed all the necessary financial aid and now theres 2 in my negative collections. Please review and contact me ASAP. 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 2021-01-01 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: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX XXXX is reporting on my credit reports with XXXX  and XXXXthe account is my fathers we have same first and last name but different middle names.my father has contacted shell Citibank and paid balance in full and explained that they have mistakenly put on my credit report.they have failed to do this with many phone calls leading to nothing starting in XX/XX/XXXX to present Ive filed disputes with XXXX and XXXX  ending in no help.the account was opened in XXXX I was born in 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 2021-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.

Complaint narrative:
Hello I had a good banking relation with Citibank but due to Covid and my travel movement outside US I had a very hard time connecting with citibank on my credit cards, pending payments & my rewards. 

The complaint I had is citibank closed my credit cards and took away all my rewards associated with my multiple credit cards while I unsuccessfully tried to reach out to them to clear my dues ( from overseas location ). 

From XX/XX/XXXX till XXXX XXXX I tried calling the Citibank US numbers and was never provided a clear response on the status and unfortunately I was not able to access my online account to use my rewards associated with the credit cards.

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 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have contact Jefferson capital several times over this debt and let them know this is not my debt now it shows up on my credit report twice totaling {$800.00} this is fraud! 
on my credit report it has 2 other account # XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
I contacted Ford XXXX department in XXXX following the loss of income. I could not pay my lease payment if {$230.00}. Instead, Ford XXXX gave me an extension which extended my loan by one month. They charged an extension fee of {$140.00}. I was told that I would be caught up next month. Turned out that I was not caught up. I was a couple months behind. I tried to get another extension as I never recovered from the first. I was almost 3 full payments behind when I found another job. I made a partial payment to show I was trying to make a payment. About less than a month later, they repossessed my car without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.

Complaint narrative:
I had few credit cards from Citibank that was closed by the bank - while I was out of country during the Covid timeline. I tried calling the bank multiple times but was not able to get the necessary help and eventually the credit card was closed with a negative remark on my credit history and I also lost all my credit rewards / thank you points. 

As I am not able to return to US due to visa restrictions I tried calling Citi from XXXX but on each instance the wait time was horrible and after jumping between different departments my calls were terminated. 

It was a very unpleasant experience and given that I had multiple cards I ended up getting most of my credit cards closed due to the negative remark on my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I disputed by certified letter on XX/XX/2020 and XX/XX/2020 to Transunion on account from XXXX XXXX XXXX to validate this account belongs to me by copies of documentation associated with this account bearing my signature. I told them twice i did not consent to e-Oscar or any other means of automated verification. 
Transunion has violated federal law

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 2021-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
BARCLAYS BANK DELAWARE credit card services closed my credit card for no reason. 
They claim that have sent letter to me in. I have not received any communication from them in this matter. 

This was my oldest account of all credit accounts I had over 3 years old. 
Again I've not violated any of the BARCLAYS BANK DELAWARE terms etc. 

Never had a late payment pay all my bills on time. I've been with BARCLAYS BANK DELAWARE bank since 2017. I have not received any letter from them. I have BARCLAYS BANK app on my phone and have not received a similar communication. 
I demand that my cards are re -opened immediately. My card has been closed in violation of the Lending Act, EO Act and FCRA act. 

1.BARCLAYS BANK DELAWARE has violated my rights to Safety, by closing available credit line I had at my disposal for no reason, 2.BARCLAYS BANK DELAWARE has violated my rights to be heard since have not taken any action. I've contacted them and they have not heard my concern. 

3.BARCLAYS BANK DELAWARE has violated my right to information, by not sending the communication in all available methods. 

4. BARCLAYS BANK DELAWARE has violated my right to choose by not letting me have a choice and single handedly taken action against me. 

Again I demand Opening my account immediately and recovering and reporting all my history to the bureaus

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 2021-01-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XX/XX/2020 the company decided to close my account. 
I contact them and ask for the reason they told me they sent a letter, i have never recieved the letter, but i dont really care about the reason. 
I need to get back the points that they stole me with the clossing of the account. 
I attaching here the last statments i got from them it shows the amount of my points ( its XXXX $ ( 5 % bonus ) + XXXX $ ( other rewards ) ).

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 2021-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had filed a complaint yesterday ( # XXXX ) regarding a balance discrepancy on my Citibank checking account.After submitting the complaint, I transferred {$200.00} to my savings & made a {$25.00} donation.This morning I signed into my account & noticed I got the {$600.00} stimulus & again the balance wasnt what it was supposed to be. 

Considering that the bank refused to address the 1st issue, Im going directly to the CFPB to see if you can help me resolve these issues.

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 2021-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Transworld is reporting medical records to credit bureaus ( XXXX  XXXX  XXXX  ) I found out onXXXX20 that the accounts have not been in there office for a couple of months but they are still reporting them to the credit bureaus as of the have them. I called and ask them to be removed from all of 3 credit bureaus they told me that they couldnt unless the original creditor ask them to but they down have the collection in there office any more. I asked why are they reporting the collections to the credit bureaus if they no longer have the debt they informed me its because the original creditor has to tell them to stop. I told them under the fcra guidelines they are reporting false misrepresentation under 15 USC Section 1692E. I called the credit bureaus to have them pull it off my credit reports because thats misinformation they told me they cant ... .. when I know they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HALLMARK HOME MORTGAGE LLC
State: IN

Complaint narrative:
I recently closed on an fha loan for a home I just bought on XXXX2020. The house had termites and bedbugs and very many other issues that were not taken care of which was a breech of contract and should of never have passed fha guidelines, or been approved for the loan. I would like this looked into and resolved. The invoices I received after the closing from the seller was missing and never was address in the agreement from the inspection. I was taken advantage of by my realtor, lender, and the other realtor also XXXX XXXX XXXX because they obviously didn't go over the paperwork that clearly states termites were visible in the inspection and never addressed or disclosed to me.also during signing I felt rushed and was just told to sign and next page, not givin a proper explanation of anything I was signing or informed of new discoveries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC BANK credit card services closed my credit card for no reason. 
They claim that have sent letter to me. I have not received any communication from them in this matter. 

This was my oldest account of all credit accounts I had over 3 years old. 
Again I've not violated any of the HSBC BANK terms etc. 

Never had a late payment pay all my bills on time. I've been with HSBC BANK bank since 2017. I have not received any letter from them. I have HSBC BANK app on my phone and have not received a similar communication. 
I demand that my cards are re -opened immediately. My card has been closed in violation of the Lending Act, EO Act and FCRA act.

1.HSBC BANK has violated my rights to Safety, by closing available credit line I had at my disposal for no reason.

2.HSBC BANK has violated my rights to be heard since have not taken any action. I've contacted them and they have not heard my concern.

3.HSBC BANK has violated my right to information, by not sending the communication in all available methods.

4.HSBC BANK has violated my right to choose by not letting me have a choice and single handedly taken action against me. 

Again I demand Opening my account immediately and recovering and reporting all my history to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: MO

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I request a reconsideration and review of my Apple Card application by a human that was rejected by the automated system. 1. The missed payments were only from the coronavirus shutdown when I was forced off work which Im back working if you checked I havent missed any other payments, 2. The bank account closed is listed in error and was not mine my identity had been stolen. 3. You say my credit limit is too high but XXXX XXXX shows it at only 9 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
My ex-girlfriend had filed for Bankruptcy earlier in 2020. Once I found out she was going to I called the bank to see what could be done with the ONE credit card we shared as a joint account. 
They told me I could open a new account and transfer the fund s over but there wasnt anything I could do with this one. At the time, opening a new account was not a possibility. 

Then when she was granted her Bankruptcy, the Bank, within a believe a week, Closed the account and placed it on MY credit report as a Charge Off. This was 5 days after I had just the payment on the account. Up till that point Every Payment had been made on time, and more than the minimum. 
But the Bank gave me Zero Notice. No collection notices, no demand for the balance, NOTHING, they simply closed the account 5 days after my XX/XX/2020 payment and charged it off. 

If this Legal? Now I am stuck with a Charge-Off for 7 years because SHE filed Bankruptcy? 
I have no recourse it seems? 
I thought a bank could not Charge Off an account until 189 days from last payment? 
I also thought a Bank was required to attempt collection on an account before Closing and Charge off? 

There has to be something I can do here. The bank failed to notify me, failed to request payment, failed to demand payment, and failed to wait the required time frame before closing the account and Charging off the account. 

What are my rights?? 

XXXX XXXX The bank involved is/was SunTrust Bank, TN.. I believe they merged with another bank now. And were in the process of doing so at the time they charged off 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 2021-01-01 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: TX

Complaint narrative:
On XX/XX/2020,. {$520.00}, I proceeded to call XXXX to obtain info related to company " TransUnion LLC. '' XXXX  referred me to TransUnion given phone number. I contact TransUnion and I was advised that the information would be removed from my credit report and the account would be sent back to the agency that sent it to TransUnion. Agent refuse to answer question regarding why my rights under the fair debt collection was violated and refused to give me the name, address, or phone number the purchase company from XXXX XXXX. However, the XXXX  and TransUnion both wanted the identity theft report but failed to supply since Covid 19 a email address. XXXX  offers a uploading but, it's not taking my reports and yesterday I recieved another credit alert for this being place again on my credit report as a duplicate collection under dispute. Please see attachment a report from the FTC " Identity theft number and XXXX Police Identity theft number attached

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 2021-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I keep trying to call the credit cards during the coronavirus and they wont answer.

Company response to consumer: Closed with non-monetary relief