vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Hi My Name is XXXX XXXX, I have a checking account with Citizens Bank ends in XXXX, I had submitted payments for my county taxes, XXXX energy payments, phone bills, internet bills, utility bills, all payments were rejected by the bank for no valid reason, when i went to the bank i was informed that there is a freeze on my account, I'm not a party to any pending legal lawsuit, I'm not a party to any garnishment or forfeiture, the bank manager at the XXXX XXXX XXXX refused to disclose any information to me, treating me like a criminal for no reason other than being arabic and a female simple and clear.she said she said she would need my lawyer so she can tell him whats going on. 
The next day i went to the branch with an attorney, to make it short, the bank still declined to release info other than a phone # to call. 

the lawyer told me he cant do anything other than suing the bank because what they are doing is completely illegal, so he advise me to try to report this to CFPB to see if they can help resolve this issue because it is a mere violation of anyone rights. 

I would like this incident to be investigated, i want copies of any documents in teh bank possession in reference to this matter, I wont release the bank from any liability and damages that occurred to me as a result of their irresponsible action, the bank has a duty to investigate any allegation, and can only act upon an order from the court, which appears to be NO VALID court order to do what the bank did. 


P.S NOTE : I reserve all my right to file separate civil action against Citizens Bank, for breach of duty, violation of FCRA, Discrimination based on religion and ethnicity, and intentional infliction of emotional distress. 


Unfortunately I have NO DOCUMENTS to attach since the BANK REFUSED to give me any piece of paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I sent ARS Account Resolution Services a letter on XX/XX/XXXX requesting they verify the validity of debts reported on my credit report. They have failed to respond or provide me such verification. I checked my credit report today and they have added yet ANOTHER account to my credit report between XX/XX/XXXX and XX/XX/XXXX. In which I did NOT receive any notices which they are required to do : Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to your report. The collection agency is ARS. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXX 

Upon further research of this company I have found that they are not licensed in the state of Florida to collect debts in which I have proof of.

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 2020-02-21 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: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I checked my credit report through XXXX XXXX on XX/XX/2020 and noticed a fragulent report from Waypoint Resource Group in which they falsely claim that I opened an account with them on XX/XX/2020. I did not open any new accounts with them and they are using identity fraud if they say otherwise. This incident has negatively affected my credit score as they claim that due to this fraudulent account that I owe them {$310.00}. It is my understanding that Waypoint purchased a very aged collections account from XXXX, they can not produce any old debt showing that I have had any account with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

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 2020-02-21 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: FL

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$2200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was in an accident and was deemed a total loss and I had GAP insurance at the time which covered any remaining money owed. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$2200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was in an accident and was deemed a total loss and I had GAP insurance at the time which covered any remaining money owed. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
My name is XXXX XXXX.Recently, I found out that I was a victim of Identity theft after receiving an attempt to collect a debt from Discover bank. I believe that I have never had any outstanding debt with Discover and I have never received any type of communication regarding this fraudulent account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an account with Citibank in XX/XX/2019. I signed up for the promotion where if you open an account with {$5000.00} you get {$200.00}. It has been 6 months and I still have not received my money. I have tried calling Citibank several times but every time I call them they tell me to call the number at the branch I opened my account at. Whenever I call this branch ( ( XXXX XXXX XXXX XXXX, they never pick up. I have called them several times and every time I call them I just get redirected to their voice automation system. The voice automation system later transfers me to someone else who says that can't help me unless I call this branch directly. One time I called Citibank and a representative gave me their number and said to call them after 30 minutes. I called them but they didn't answer that time either.

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 2020-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that were opened under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts because my credit was ran multiple times. These 2 accounts and inquiries were not made by me. Please take these unknown items off my report.

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 2020-02-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that were opened under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts because my credit was ran multiple times. These 2 accounts and inquiries were not made by me. Please take these unknown items off my report.

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 2020-02-21 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: EQUIFAX, INC.
State: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I was informed when I pulled my credit to myself that there was a couple of bad items on my name. These fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report. This is unacceptable. 

XXXX XXXX XXXX XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I purchased 15 twin mattress for a business venture the total cost was {$3300.00}. The sales clerk offered a 90 day same as cash with NO CREDIT check option. I have excellent credit and try to keep my inquiries at a minimum. I took the option knowing I would have this paid off within the 90 days to avoid any interest. The time for me to pay {$2000.00} back is anywhere from XX/XX/XXXX - XX/XX/2020. I check my CB almost daily due to the industry I work in requires I keep good sound credit so I keep tabs on it. I noticed on XX/XX/XXXX XXXX XXXX reported to the bureau I opened credit with them for {$4500.00} on XX/XX/2020. This is not factual I opened credit/lease on XX/XX/XXXX and the amount granted was {$2400.00} of which only {$2000.00} was utilized. How can they say I owe {$4500.00} when I only used {$2000.00}? I asked how can you report interest before its earned? The company says it's not interest but a daily lease fee on a 12 month lease. I asked again how can you report a fee in advance of it being earned? He said again it was not a fee not interest but a daily charge. This makes no sense and sounds predatory. For individuals with bad credit and not credit conscious they can get away with these practices, however I'm astute enough to know this is wrong. If you grant {$2400.00} then the line item should reflect {$2400.00} with a balance of {$2000.00} which I've made a payment so the amount owed is {$1600.00}. How is the balance and credit {$4500.00} regardless of payments made? The rep told me they are not a credit card but a lease ... so they do it differently. I'm old enough to know 2+2=4 and 3+1=4 it all has to make sense and this doesn't. XXXX XXXX should be investigated for predatory behavior and reporting erroneous information.

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 2020-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Now because of these false accounts, I have no chance of acquiring any new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

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 2020-02-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Now because of these false accounts, I have no chance of acquiring any new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
XX/XX/XXXX called Fay Servicing because on my 1098 form they did not include my PMI insurance amount that I have paid all year. 
they also failed to supply it for XXXX I need this for a tax deduction i was told a request was being sent to that department. 
i was also told laws have changed and they don't need to list it anymore how can this be? this company is taking advantage of many people. I never asked for this company and I am trying to do the right thing while they are lying and manipulating people and stealing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
On XX/XX/XXXX, I opened a XXXX XXXX Credit card. Before officially joining I called the Barclay credit card company to go over the details of the credit card. I talked to XXXX and she stated that after 1 year on my anniversary date of opening the card I would be assessed an annual fee of {$99.00} XXXX that would be at the end of XX/XX/XXXX and done automatically XXXX. 
On my first statement in XX/XX/XXXX I was already assessed a {$99.00} annual fee instead of on my anniversary date of XX/XX/XXXX. 
On XX/XX/XXXX, I called Barclay and talked to XXXX regarding my annual fee. She opened case no. XXXX. She said to call back in 10 days to see if the annual fee was waived since they told me initially it wasn't due until the following year. 
On XX/XX/XXXX, I called Barclay and talked to XXXX. She said my case was still pending and someone would contact me. 
On XX/XX/XXXX, I called Barclay and talked to XXXX. She said I have to pay the annual fee and they will not waive it. I told her when I first opened my card they said the annual fee would not be due until one year later. 
I received a letter from Barclays stating they were unable to assist me with my rewards issue. 
I don't see anywhere on my application paperwork that I was assessed an annual fee as soon as I opened my credit card. When I called to inquire I was told it wasn't due until the following year. They should honor that initial call.

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 2020-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
1. In XXXX of XXXX my husband and I purchased a new XXXX XXXX XXXX and put it in joint names. We financed it through Kia Finance because they were offering a 0 % rate. 

2. In XXXX of XXXX my husband died. There was no will or estate opened 3. In XXXX of XXXX I moved from XXXX XXXX to XXXX. 

4. In XXXX of XXXX I began work on obtaining an XXXX  title in my name. I contacted KIA customer service and the deceased accounts division, sending deceased accounts a death certificate and a title transfer request from the XXXX XXXX XXXX  clerk of courts. The transfer request asked KIA finance to send the clerk of courts ( a ) letter stating that the title could be transferred into my sole name and ( b ) the XXXX XXXX title. I was told by " XXXX '' on XXXX XXXX that they had everything that was needed. 

5. In XX/XX/XXXX I submitted the request again by certified mail. After numerous follow up calls the title was finally sent to the clerk of courts on XXXX and then at my request a copy of the letter authorizing the transfer was faxed. However, the clerk of courts told me an original was needed. 

6. On XXXX I called KIA finance and asked that the letter authorizing the transfer be sent. I was told it would be, but it was not. 

7. Today I was told many different, conflicting things. The bottom line is that a letter will not be sent until I contact deceased accounts, which is where I started last XXXX. Customer service said they had no way of contacting alone else within Kia Finance and that it would take them 3 days to get a response from deceased accounts. Unfortunately the clerk of courts will send the title back to Kia Finance if they don't receive the letter by the end of next week.

All bills have come to me and every one has been paid on time. I can not fathom why I am having so much trouble unless Kia Finance is trying to get an elderly widow to pay off the loan because of the 0 % rate.

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 2020-02-21 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Freedom Mortgage requested for XXXX XXXX complete a Loan Modification package. The package was submitted early XXXX. I received mutiple phone calls daily requesting the same documentation that I previously submitted twice before. 

The customer service rep is telling me that the underwriter is stated these documents are missing however I have emails from Freedom that they have all the documents needed and I should hear from someone within a week.

A week later I am hearing from Freedom that they documents are previously sent are still missing.

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 2020-02-21 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: Atlanticus Services Corporation
State: OH

Complaint narrative:
I have reported identity theft by submitting and FTC REPORT and it was received on XXXX. I also called on XXXX to inform them that the law according to the FCRA that when a credit card company has been notified by a consumer that there has been identity theft, they are supposed to remove all information from that credit file immediately and refrain from reporting further information. Despite that they have continued to report on my credit file 60 days late which is hurting my credit worst. When I called them they said they wont remove it until up to 90 days. This is against the law. I want this account removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I called XX/XX/2020 to find out my balance. I have paid 16 payments of XXXX and my balance is the same. My balance is not going down. I understand they want to make a profit but they want to double the amount I owe. I need to settle this debt but I need help because it is never ending. They have the following address listed on web NetCredit XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL.XXXX. They debit my account monthly on the XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation