vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted XXXX XXXX XXXX today XX/XX/XXXX about a balance of {$1300.00} that is reporting on XXXX and Experian. I spoke with a representative by the name of XXXX who refused payment and stated, The account was sold on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX because we didnt get our money. I asked XXXX why it is still being reported by XXXX XXXX if it was sold and she said she doesnt know, it shouldnt still be reported by XXXX XXXX XXXX and that I could dispute the information with the credit bureaus. I have sent multiple disputes via XXXX Experian and XXXX XXXX but it keeps coming back verified.This is a direct violation of my rights as a consumer. Per the FCRA, if an account was sold to a collection agency the original creditor should no longer be reporting the balance. I am requesting this account be removed immediately or I will take legal action.

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 2021-05-22 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: CA

Complaint narrative:
this is a fruad account i never applied for the card this is a fruad and is on my credit report i would like to have it remove from my credit report asap

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 2021-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
I am being sued in two different cases in civil court in XXXX County Ohio by Stenger and Stenger, affiliates of XXXX XXXX. Both accounts are the result of identity theft, of which I am the victim. XXXX XXXX and their affiliates / attorneys, Stenger and Stenger are basically dragging their feet on providing me any kind of documentation that Ive requested including an affidavit of fraud. Neither Stenger and Stenger nor XXXX XXXX have responded to my requests for validation of the debt or my numerous requests that they investigate this as fraud. They wont cooperate in any attempts to prove this debt is invalid and fraudulent. They refuse to validate the debt as per the Fair Credit Reporting Act. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them. I believe these parties are fully aware that these two accounts are indeed a result of fraud. I believe they do not care about a just outcome in these matters. They only want to win.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: WA

Complaint narrative:
I was hacked Discover card and bank. XXXX XXXX investigated and replaced lost funds. 

Discover card notified me my account will be closed permanently. I was issued a Discover Card check XXXX XX/XX/2012 for {$2.00} As of XX/XX/XXXX my Discover card balance was - {$1.00} Discover Card issued me today XX/XX/XXXX a new credit card account that has a balance owing {$4200.00}???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I've received a debt collection form a third party. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to Transworld Systems Inc. 

I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

They do not have my HIPAA release form therefore in violation of the HIPAA Act of 1996

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: MoneyLion Inc.
State: TX

Complaint narrative:
I was notified by XXXX that a new installment loan was opened in my name with a company named MoneyLion Inc . This loan was for {$1000.00} dollars and started reporting on my account on XX/XX/2021. The report says the account was opened XXXX. There has been 6 withdrawals from my XXXX checking account, XXXX for {$44.00} and XXXX for {$9.00}. I have issued a stop payment today on XX/XX/2021 with XXXX XXXX fraud department. I have reached out to XXXX to file a dispute but said since the fraudulent person used my correct information, they closed the dispute. I also reached out to MoneyLion Inc in order to address this fraudulent activity and they stated that since my information is labeled correctly then they see no issue. I have no login account with MoneyLion or loan account open so there is no way for me to speak to someone directly about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: TX

Complaint narrative:
I mailed my dispute to XXXX to remove or verify negative accounts listed on my credit. XXXX has been reporting negative items that have caused a lot of harm to my credit. I called and mailed the companies that are negative ; XXXX said the account balance is {$0.00}, so why is it listed as {$240.00} on XXXX? 

XXXX can not verify anything because they dont have a contract or any other verifying information, I have requested it over five times ; however, I have not received anything proving I opened an account with this company. I also asked XXXX  for the information that was used, that request has been ignored every time. 

Equifax and XXXX have did their due diligence and removed these fraudulent accounts. XXXX keeps lying to me and stating that they verified the information and its accurate. That is impossible due to the facts I have gathered. 

This proves that there never was an investigation and violates my consumer rights. 

I called XXXX and the rep hung up in my face. My Fraud Resolution Specialist has not helped and does not answer my calls and emails. I asked for a different person to be on my case and XXXX told me someone would be calling me. No one ever called. I have written several letters that go ignored, at this point I will have to file a lawsuit to get a fair investigation. 

Equifax has also ignored me several times and lied on the phone saying I could upload supporting documents online and that they cant accept any faxes. You can not upload anything online. But you can find the police report listed here to help you out with the investigation. 

Im tired of my disputes being ignored by the credit bureaus. They have ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: OR

Complaint narrative:
XX/XX/2021 XXXX I purchased {$320.00} of IOTA MIOTA crypto currency on Binance.US exchange. 
XX/XX/2021 XXXX I purchased {$100.00} of IOTA MIOTA crypto currency on Binance.US exchange XX/XX/2021 XXXX I purchased {$200.00} of IOTA MIOTA crypto currency on Binance.US XX/XX/2021 XXXX I purchased {$100.00} of IOTA MIOTA crypto currency on Binance.US exchange XX/XX/2021 XXXX I purchased {$100.00} of IOTA MIOTA crypto currency on Binance.US exchange XX/XX/2021 XXXX I purchased {$20.00} of IOTA MIOTA crypto currency on Binance.US exchange On XX/XX/2021, I noticed I was not able to withdraw my cryptocurrency as they claimed my cryptowallet address format was incorrect. I then filed a complaint that I was not able to withdraw my funds due to this error. 
XX/XX/2021 XXXX I purchased {$20.00} of IOTA MIOTA crypto currency on Binance.US exchange approximately XX/XX/2021 I noticed they suspended my account so I was unable to withdraw or deposit my MIOTA cryptocurrency funds. 

I filed multiple requests. I only received two emails on XX/XX/2021 asking if I still needed help. However, when I responded within a few hours, they did not respond. There was no specific reasons why my account was suspended and no directions on how to unlock my account. It has been a few weeks and they have not addressed the issue. 

XX/XX/2021 XXXX I attempted to purchase {$100.00} IOTA MIOTA to see if this would unlock my account. My account was still suspended. however, they allowed the purchase. 

XX/XX/2021 XXXX I purchased another {$100.00} IOTA MIOTA to see if my account would eventually unlock it still remained suspended with no details as to why it has been suspended On XX/XX/2021 I attempted to sell 10 MIOTA of my cryptocurrency for US dollars ( {$10.00} ) in order to withdraw my funds. Now it is stuck in processing. 

I looked at reviews on trust pilot and even tried to post a complaint on their official XXXX account. They removed my post. However, I notice many other posts stating they had the exact same issue of their funds being inaccessible and they had waited for weeks or months, yet they still have not received a response. I even checked their official account on the social media platform " youtube ''. There were more comments stating the exact same issue. Their accounts were suspended for no reason and they can not access their funds. Binance.US has not attempted to resolve the issue and they have not made any attempt to reach out to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Received a robocall from " Citibank '' on XX/XX/21 at XXXX. The person I spoke with said they wanted permission to lower my interest rate and minimum payments, and that it would cover not only my XXXX card but all my credit cards. They said they issue the billing statements for the banks. I called Citibank and was told it was not true. The caller knew my name. I did not give out any other information but I did respond " yes '' to a number of questions. Please stop these people. I try not to answer any robocallsl but the bank name caught my attention since I have an account with Citibank.

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 2021-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Bank Of America in XX/XX/2019. Pursuant to 15 USC 1635 Congress states that ANY consumer credit transaction in which a security interest was retain has the right to rescind the transaction and as well keep the car ( in this case ) and get their down payment back if its equitable to the consumer. It is equitable to me to keep the car and get my down payment back. Pursuant to 15 USC 1611 and 15 USC 1640 failing to disclose this information makes Bank of America criminally and civilly liable for this violation

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 2021-05-22 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
In XXXX I found out that I was embezzled and identity stolen to commandeer several accounts in my name. Two personal credit cards originally opened legitimately, were supposed to be closed or inactive, one for Barclay Bank, and the other for XXXX XXXX  ( see attached ). Unbeknownst to me, they were taken over by a former employee, XXXX XXXX, who charged over {$100000.00} on two credit cards by forging signatures. There were balances left on the cards, and eventually the companies charged off balances as bad debts, listing them as delinquencies, even though that was 100 % fraud. I found out through a telephone call from Barclay Bank about the first card which had a ~90 day past due balance. The XXXX XXXX  account was discovered still open with a balance after checking my credit. I notified both banks and let them know this was fraud, however they would not believe me. However they said they would listen to law enforcement if the perpetrator was charged. Due to the complexity of the case, the perpetrator, XXXX XXXX, XXXX XXXX XXXX XXXX, was not charged until this year by the XXXX XXXX District Attorney 's office for these crimes. She was charged for two class XXXX XXXX, was XXXX  and is now awaiting a XXXX  or XXXX. I have disputed both accounts since I was aware of the fraud, however the two cards are still listed as delinquencies on my credit reports. These claims were investigated by XXXX Police detective XXXX ( XXXX ) XXXX or ( XXXX ) XXXX, as well as by XXXX XXXX, XXXX XXXX a former FBI XXXX XXXX crime investigator, ( XXXX ) XXXX, email : XXXX. The accounts were actually illegally paid by the same person who embezzled from them by intercepting the mail, and paying them through a corporate account illegally, so I was unaware the accounts were being embezzled for about four years starting 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 2021-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I've received a debt collection form a third party. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to Revenue Recovery Coporation. 

I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

They do not have my HIPAA release form therefore in violation of the HIPAA Act of 1996

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am being sued in two different cases in XXXX court in XXXX XXXX, Ohio by LVNV Funding. One account is for {$1400.00} and the other is for {$790.00}. Both accounts are the result of identity theft, of which I am the victim. LVNV Funding and their attorneys are basically dragging their feet on providing me any kind of documentation that Ive requested including an affidavit of fraud. Neither LVNV Funding nor their attorneys, XXXX and XXXX have responded to my requests for validation of the debt or my numerous requests that they investigate this as fraud. They wont cooperate in any attempts to prove this debt is invalid and fraudulent. They refuse to validate the debt as per the Fair Credit Reporting Act. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them. I believe they know full good and well that these two accounts are fraudulent. They do not care about the truth. They only care about winning no matter what the truth is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
On XX/XX/2020 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 I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation 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 2021-05-22 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
this is a fruad account i never applied for the card this is a fruad and is on my credit report i would like to have it remove from my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I submitted a prior complaint about Citi Bank withholding my money in the account they closed. I have yet to get my money. It is now XX/XX/2021 and I was supposed to get a check in the mail by XX/XX/2021 as said by the bank. I have not gotten anything! Matter of fact, I just got a balance notification from Citi bank stating my money is STILL in the bank! Im beyond mad at this point because what could you possibly be holding someones money for. I wasnt closed for fraudulent activity at all. Matter of fact, they have NO reason to even hold my money or close that account. Now that the account is closed! Why is my money not in my possession! That account got closed XXXX days ago! This is ridiculous!

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 2021-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
They collected a monthly amount very large auto pull out of my bank and never sent me any documentation on where the funds were going or how much I paid in full for almost two years. Then come to find out they said things they didnt hold up to and my debt ended up only going down XXXX $ and then all the money I paid went who knows where. In the end they sent me a letter saying I owed {$19000.00} to another company I never ever talked to and they transferred my balance with them which should of been returned to me not the loan company I never approved to have my money. The amount transferred was {$2200.00} on XX/XX/XXXX. Never returned to me to this day. Now they are on my credit report and I never even knew who they were and why I had a note on my mortgage from a company another company paid to service their loans. Please make this company remove the negative fraud information in all three credit reports oh actually they only reported to one I believe. Again at my weakest time in my life I was scammed by lies and theifs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Tilt Finance, Inc.
State: OR

Complaint narrative:
I was approved for.first and second draw XXXX loans from the XXXX the second draw came from XXXX XXXX XXXX XXXX and they deposited the funds into my fuy verified account prior to i asked if it would be ok and assured by the rep it would be fine and then the day it got deposited they froze my account and have not given any specific reason as to whg they wont call me they asked for a bunch of verification documents i have submitted along with id verification i passed and still i get nothing and i dont have a way to contact the lender as the number is always busy and like most americans my life is turned upside down i nees help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have been with chime since XX/XX/2019. I had up to XXXX being deposit each month from payroll. Im also self employed. I was trying to make an order with XXXX when it declined my card. I tried logging into my account and it said it was closed due to a deposit agreement. I didnt agree to anything. Im at a lost right now because I have bills to pay, kids to feed, and more. Why would they close my account without notifying me early. Or even try fixing the problem i had XXXX all my funds in there now its gone.

Company response to consumer: Closed with explanation