vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I sent a debt validation letter to Credit Control Corp in XXXX XXXX on XX/XX/. It was received by the agency on XX/XX/2021 by certified mail. I have not received any validation of the debt claimed to be owed by this company whom which I have never done business with. I have not received a letter from this company providing proof that this debt belongs to me or is valid. There were a total of 3 separate " accounts '' in question. 

Failure to provide documentation in the allotted time ( 45 days ) violates my rights as a consumer. I have spoken to an attorney and he recommended that I file a complaint with CFPB before we begin moving forward with suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A fraudulent charge was made on my account on XX/XX/2021. I contacted XXXX, who was the merchant, and had them cancel the order, but could not refund me my money because it was a fraudulent charge and told me to go through my bank. When I did I submitted all my paperwork, allowed them a month to investigate, and have had to continuously follow up with them. Their agents would have me go over my case all over from beginning to end and would not provide me with an update, much less a resolution. It is now almost the 90 days and they have not resolved my case and when I called yesterday, XX/XX/2021, they told me the case and appeal has closed. There has never been any communication from them and I have had to follow up with them to never get an answer. I ask to speak to supervisors and after asking them what the reason for them closing the case is, they never give me an answer and leave me on hold which then leads to them never coming back on the line. I am really frustrated that so much time has gone by and I still do not have a resolution, much less my funds back. I have been a Citibank customer since I first opened my first account in my teen years and never thought they would be this disloyal and uncaring for me.

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 2021-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT CONCEPTS, INC.
State: WA

Complaint narrative:
I have challenged the debt several times as they got the vehicle back and sold it for less then it was worth and did not give me credit for XXXX  dollars I put down on the vehicle. When I called to set up payment arrangements they would not accept when I can pay and demanded 2.5 times the amount. They lied and told me the back interest and money to pay on the principle amount required the XXXX dollar a month payment, when I asked them the interest amount and the amount owed the monthly with some towards the principle was less than XXXX dollars a month. They refused several times any payments less than XXXX dollars. I was told if they refuse what I can pay they have to void my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: MD

Complaint narrative:
I woke up to numerous accounts on my credit report that I have no connection to.I immediately called Transunion and was informed I had to file a FTC report. So I then filed a FTC Report ( FTC # XXXX ) and sent it to Transunion via USPS. Transunion received my complaint and still has not removed the fraudulent accounts. They are taking advantage of me as a consumer and dragging their feet with removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 7 days and the fraudulent accounts are still on my report. My score has dropped over 100 points due to this.

Ive satisfied all the requirements pursuant

to 15 USC 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Pursuant to 15 U.S. Code 1692k-2 ( a ) im seeking damages in the amount of {$1000.00} per account being reported after the 4th day of receipt of my dispute. There are a total of four accounts and 3 inquiries illegally being report after receipt of my complaint, totaling {$7000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: NJ

Complaint narrative:
My parents purchased a XXXX back in XXXX through XXXX XXXX  XXXX. My parents passed away in XXXX and XXXX respectively and the XXXX had been paid off for more than a decade. I received the title to the XXXX but when I went to get the XXXX registered and tagged they noticed a lien on the title from XXXX XXXX  XXXX. 
I know the XXXX was paid off in XXXX. We called and tried to get release letter from XXXX XXXX  XXXX. and found that XXXX XXXX  had been taken over or had merged with US Bank and US Bancorp. So we called and spoke to them numerous times and someone in there customer service dept admitted that they screwed up. She told us that she would send the release letter out right away and we should receive it in 7 to 10 days. That was three thru six months ago.We continued to call and each time I had to go over the same story which included the death of my parents, not only was it frustrating but I had to keep reliving my parents death each time I told them what happened. For six months they promised the letter was in the mail and that a mistake was made on their part but nothing was ever done and no letter was ever received from them. We haven't been able to tag or register the XXXX because of their inconsideration and constant lying about sending this release letter. We were referred to you from FDIC and don't know what else to do. How can a bank get away with this for so long. We must have talked to 20 different people who made promises but never delivered.

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 2021-08-27 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: Account Management Resources
State: OK

Complaint narrative:
I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S.

Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted collection agency Hillcrest Davidson & Ass that has reported on my credit report something I owe that I have never received a bill or statement for, nor received any phone calls. They said they had a signed copy of the agreement and would mail a copy to me or have the company that sold the account ( XXXX ) send me the agreement today on XX/XX/2021 I still have received nothing by mail or phone calls. I also called the " original '' debtor and they said they have no record of me having an account and I called twice to verify on XX/XX/2021. Then I called Hillcrest Davidson & Ass collection agency back and left a message on XX/XX/2021 and three days later still have not received a call. So I still have no proof that I signed any contract for this debt nor is anyone assisting to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: KS

Complaint narrative:
I deposited money into Robinhood ( securities company to trade stocks etc. ) from bank account A. Some time period later I attempted to withdraw funds from my account into bank account B. I've had bank account B attached to my Robinhood account for years and have withdrawn funds several times, perhaps a dozen, with no issue. This time I receive an error indicating that I can not withdraw funds to this account. I complain to the support desk to which they respond that Robinhood has a policy that if funds are deposited from one bank then there is a 60 day holding period and funds may only be withdrawn back to that account. After 60 days funds can be withdrawn to any account. Robinhood offered to process the transfer manually however they require me to describe why I want to withdraw the money to a different account, send in my photo ID, and send in PDF copies of all my bank statements and after that they'll complete my transfer. I verified my photo i.d . with but told them I am unwilling to send in unredacted and unencrypted bank statements ( leaving myself liable to potential fraud ), it's not as if i'm applying for a loan or line of credit, and that I only want to withdraw my money into my account which, again, has been established and used for years with no issue. Robinhood refuses to accommodate my withdrawal request without adherence to their policies and are enforcing a 60 day hold period of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kingston Data & Credit International Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report as I do on a monthly basis, I noticed on XX/XX/XXXX new activity in the form of a collection from KINGSTON DATA & CREDIT INTERNATIONAL INC . Puzzled as to why negative information could be reporting on my XXXX  Report, I found out the original creditor was XXXXXXXX XXXX XXXXXXXX and the negative info was associated from an old Gym membership which has not been active for more than 4 years. In XXXX of XXXX I contacted and had a lengthy conversation with my local XXXX XXXX XXXX and expressed that I wished to cancel my membership. I explained that I had to abruptly leave the country for work and was told by the XXXX XXXX employee that because of my situation she would accept cancellation by phone. I provided my contact info, and date of birth and the employee said she would initiate the cancelation and send me confirmation to my email. Following that day in XXXX of XXXX, I had not received any notification of a balance owed. No attempt was made in any form from XXXX XXXX to contact me within a 4 year period to inform me that any balance was owed or a contract was left unsatisfactory. Upon discovering the collection from Kingston Data, I requested documentation verifying the outstanding debt but nothing has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/2021 I received and email notice that my Chime Visa debit card was on the way '' however, I have never requested a Visa Debit card from Chime. Earlier this year, I was sent another unsolicited card from another company, so I was aware that my identity has been stolen and is being used for this kind of activity. Months ago, I asked all three credit bureaus to put a freeze and fraud alert on my credit report. 

I contacted Chime 's customer service by phone and email soon after receiving their " on the way '' email, and I requested that the account be closed immediately. In response to their instructions, I sent the last four digits of my SSN and a picture of my photo ID. Apparently, the form in which I sent my photo ID was not what they accepted, but they never clarified what they DID accept ( no faxes, scans, or photos ... so, only in person? ). We were traveling for much of the next two weeks and did not get a chance to follow up with the company. 

When I attempted contact them by email yesterday to find out the status of the closure ( and I resent the last four of my SSN and an image of my photo ID ) they simply replied that if I wanted to open a Chime account, I could not open two accounts at once. What?

I have emailed them again, asking them please cancel this account immediately and then provide me with written evidence that have not and will not report the account to any credit reporting agency. I asked them to please confirm that they have received my private information, and to let me know what you exactly what they do to keep sensitive information secure ( which has clearly already been compromised by some earlier security breach somewhere else ), and then verify that they have closed this fraudulent account. 

I heard back from them within minutes. They said they had " blocked '' the account, but that if I " would like to formally close the account '' I would need to contact them yet again? 

I believe they are desperate to keep every account they possibly can because they will soon go public and want their numbers to look big. Meanwhile, they have simply refused to honor the request I've made at least five times. Why don't these companies require such picture ID requirement to open these accounts? Why is it so easy to open them ( fraudulently ) and so difficult to close them ( legitimately )?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management collection agency was calling me frequently. I told them I was affected by covid and was in a bind due to losing my job. The company continued to harass me. Now Ive called them XX/XX/XXXX and XXXX trying to settle the debt at a lower percentage due to me trying to borrow the funds from someone else. I explained to them my current unique situation but the company really didnt care. Midland credit management stated that their company is only able to give out a 40 % discount off of the debt but sent a document stating otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
Jeffcapsys ( jefferson capital systems ) at XXXX XXXX XXXX XXXX XXXX. XXXX, Minnesota, XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due. i do not know this company. i have never done any business with this company. this company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report and they havent responded in over 30 days

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 2021-08-27 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: OK

Complaint narrative:
I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: MS

Complaint narrative:
I WAS GOING OVER MY CREDIT REPORT THE OTHER DAY AND NOTICED THAT COMPANIES THAT I DIDN'T GIVE PERMISSION HAD PULLED MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX I noticed I had a few negative accounts reporting to my consumer credit report that I did not recognize so I called XXXX, Experian, and XXXX to have them removed. They all informed me that I needed to file a FTC report and mail it to them. I procrastinated for a few months and fast forward to XXXX I filed a FTC ID Theft reports for the accounts I did not recognize ; FTC Report Number XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.

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 2021-08-27 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Hello, I am an Authorized User for this account. I have been paying faithfully while the primary can not. She is filing bankruptcy soon. She will include the card/ account that sears refuses to update ( refused : please request or see supporting evidence ). 
No late pays and good standing but I am not going to pay on this account by myself anymore as the Authorized User. 

Compounding the problem is the fact I can not get service for this account. Unfortunately XXXX representatives will not discuss one word of this account with me for address errors or ANYTHING. That is not drama its a fact. 

I have legal rights as an Authorized User to remove myself from this account. It is my responsibility. I do not have access or a card active. So I believe its clear. 

Please request the company SEARS have its bank remove me as an obligated borrower. The letter from SEARS to me after they denied my request says it all. 

" We are unable to update the credit report as requested. To remove authorized users from the credit reporting, the authorized user must be removed from the account. '' Please ask for a copy. Bad grammar is part of the letter not me. 

SEARS MASTERCARD Card No : XXXX Thanks profusely Respectfully XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief