vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
account is closed but i can't get any information on how to transfer the remaining balance.

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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Someone has my information lost my wallet twice XXXX XXXX old navy XXXX  XXXX XXXX XXXX XXXX and many other things are involved i have lot of other things I dont understand how they got there my identification is being used since 1995

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 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
Received a notification of a possible debt on XX/XX/2021. Responded to company on XX/XX/2021 requesting debt validation ( letter was sent certified ). Company continues to call and has not responded to debt validation request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XX/XX/2021 I contacted Experian, XXXX  & XXXX  notifying them the addresses they have on record are outdated & incorrect. I sent them personal identifying information and proof of address, as well I mailed the letters from my current address. I have recently pulled my credit report again, and the incorrect addresses are still listed on my record.

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 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
the company reported on my credit report as a debt i do not owe or never had an account with or business with

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 2021-04-15 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: CA

Complaint narrative:
Recently I noticed an account being reported that was not authorized on all three bureaus. I contacted the three main reporting agencies and requested this account be removed or verifiable proof used to validate the debt and and the data reporting. XXXX removed the account but never provided the inaccurate information to the other bureaus as required under the FCRA. I submitted the investigation results to Transunion and XXXX that XXXX showed removed from my credit file. Unfortunately they have yet to remove or provide any debt validation or method of verification used to verify the account in question.

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 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
On XX/XX/2021, I received a email from XXXX  informing me PHH Mortgage have reported to the credit bureau XXXX, and XXXX  120 lates when they have knowledge I am impacted through the Disaster Impacted with the Covid 19 and working on a work out plan. 

I feel someone personal us retaliation against me and I would like my credit reporting agency report to be corrected. 

Under the American Rescue Act. Anyone impacted with the Disaster Covid 19 the Consumers Credit is not to be reported Late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I made a payment on my loan for the XX/XX/XXXX payment. I made the payment from the same verified checking account that I used to make every other payment on this loan since 2015. As of XX/XX/XXXX, LendKey Technologies has yet to apply this payment to my account. Today, XX/XX/XXXX, I received correspondence from LendKey Technologies stating that I chose to pay by check and do not have a verified account with them. I chose to make an electronic payment using a checking account that was verified, so they are incorrect. Since 2015, I have made my loan payments on this account using the same checking account that I used to make the XX/XX/XXXX payment. All previous payments were accepted without re-verification. If the account somehow became unverified, LendKey Technologies never provided me with any notification that this account is no longer verified. If the account was not verified, then the time to tell me this was on XX/XX/XXXX when I made the payment, not by mail 7 days later. If the account was not verified, then the payment should not have been confirmed. Attached is a screenshot of the payment confirmation showing the payment I made, the date the payment was made, and the checking account use to make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In XX/XX/2021 I contacted XXXX, XXXX & Equifax notifying them the addresses they have on record are outdated & incorrect. I sent them personal identifying information and proof of address, as well I mailed the letters from my current address. I have recently pulled my credit report again, and the incorrect addresses are still listed on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: IA

Complaint narrative:
On XX/XX/2021 I received correspondence in the mail from Discover that violates several of my federal rights. On XX/XX/2021 I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Discover is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: FL

Complaint narrative:
I pulled a copy of my credit report and noticed fraudulent accounts. it is stopping me from obtaining credit.

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 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
This is the second time this debt has gone on my credit report and the third time disputing it with experience. They have removed it once but it was recently put back on. It is not on my other reports. XXXX will not open dispute again and is asking for proof. I can not prove that it isnt mine since I do not even know what it is?

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 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc.
State: MO

Complaint narrative:
Central State Recovery did not make any attempts to contact me about any outstanding balance. I had to find out by pulling a credit report. This is unfair practice in Credit collection so say the least. 
CENTRAL STATES RECOVERY is representing XXXX XXXX for XXXX. This amount is different then the amount requested from XXXX XXXX. 
I paid XXXX XXXX on XX/XX/2020 XXXX as payment in full. 
Now CENTRAL STATES RECOVERY has reported collection attempts for XXXX. No attempts had been made, to collect XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: CITIBANK, N.A.
State: AL

Complaint narrative:
On XX/XX/2021, two fraud charges came in to my card from in store in XXXX. I was in Alabama. I promptly reported fraud to my citi card. They shut my card off and mailed me a new one. They then failed to flag it as fradulent activity. I called again today and inquired why it wasnt taken off and was in fact on my bill and Citi had no explanation. They then verbally berated me when I said their mistake was in violation of consumer finance laws. The charges were for XXXX cents and {$8.00} for XXXX. A company I have neither heard of or ever used.

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 2021-04-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: ND

Complaint narrative:
Experian is in violating of the law. Experian is committing identity theft, they do not have my consent to report the account and addresses below. 

Experian is in violation : 15 U.S. Code 1602 - ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

15 U.S. Code 1643. ( E ) the unauthorized use occurs before the card issuer has been notified that an unauthorized use of the credit card has occurred or may occur as the result of loss, theft, or otherwise. 

I am demanding deletions of the unauthorized account, addresses and inquiries listed below on my experian consumer report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
This company is attempting to collect a debt that is not legally mine. I have no knowledge of this company and have never done business with them, nor signed any contract. Previous written request to validate debt have been unsuccessful and they refuse to provide information of original creditor, per FDCPA regulations. I demand this collection company is removed from my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
MDS/MRS has failed to provide proper SIGNATURE VALIDATION of debt. I sent Medical Revenue service a letter on XX/XX/21 to prove I owed debt on acct # XXXX, XXXX. Asking for my signature of payment agreement to debt. They sent me a form for " Coordination of benefit WORKSHEET '' with a signature at the bottom & a " Consent to contact '' signed form. ( I attached both forms ) these two forms are not proof of validation of payment agreement for these 4 debt accounts. This is a false and misleading representation. I asked for validation/not verification on XX/XX/21 and MRS has past their deadline to Validate this debt with a signed payment agreement from me. This is a FDCPA 15 USC 1692k violation with a {$1000.00}. Pay out to me. These accounts must be removed from my credit report immediately. This is considered fraud and I will report to my state and the state of Florida attorney general if this is not removed immediately off my credit 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 2021-04-15 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 pulled a copy of my credit report and noticed fraudulent accounts. it is stopping me from obtaining credit.

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 2021-04-15 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 pulled a copy of my credit report and noticed fraudulent accounts. it is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: TX

Complaint narrative:
fraud account never open account r had a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: TX

Complaint narrative:
fraud account never open account r had a loan

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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX. On XX/XX/2021, I obtained a copy of my credit report. I discovered inaccurate information. I tried to reach out to XXXX XXXX which has an account with Portfolio Recovery. I was unable to attain any information regarding this account. I did not sign or authorize any documentation with Portfolio Recovery. I have no debt with this company. I am demanding and requesting documentation and proof of all contracts signed, as well as statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
This complaint involved a credit card under my wife name who is a victim of identity theft. we reported a fraudulent charges on our billing statement and was told it will be investigated but instead continued to mail us statement every month with demand of continued payment while waiting for their investigation which never happen and now we received a letter saying it is in their collection department. Hoping someone can help us thank you so much.

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 2021-04-15 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a credit card with Citi bank with about 65K Thankyou Points in the account. The bank closed my account by mistake and claimed that I requested to closed it. However, I never made that request. Also, I contacted them many times and ask to re-open the account. Each time, the representitive told me they would investigate the case and contact me later. But they never contacted me. Here are some details. 

As the annual fee was posted, I called cumstomer service on about XX/XX/XXXX to inquiry if they had some retention offer to cover the fee. After getting the answer 'no ', I asked if I could get refund if I closed the account. The representitive gave an answer 'yes ' and told me that I could get refund util 37 days later. Then I said I would think about it and hang up. 

About 1 month later ( as the deadline approaching ), I contact Citi bank again through online chat to redeem the Thankyou Points. However, I was told that my account was just closed ( showed closed on XX/XX/XXXX. ). And the reason is that customer requests to close the account. I argued that I was just inquirying the option and never asked to close it. Also, I requested to re-open the account. The representitive told me that a hard inquiry will be pulled. I argued that it was the bank 's mistake, so they can not pull my credit to reopen my account. The representitive also told me that my Thankyou points will expire 60 days after account close. I said I need to think about how to redeem the points and end the chat. 

Several days later, I saw XXXX XXXX XXXX has a bonus of 25 % additional points to redeem the Thankyou Point. So I called Citi bank again, but was told that I can not redeem Thankyou Points to XXXX, as the account was closed. Again, I claimed that that's the bank 's mistake and they should re-open my account. The representitive told me a case was setup, their bankend team will investigate it and contact me later. I said that's not enough, I want to file a complaint. The representitive help to do it and told me the case number. 

However, many days passed, no one contacted me. I had to call the bank again. I asked to escalate the case and insisted to talk to a supervisor. The supervisor told me she could file a case for the backend team to review the phone call record and see if they could re-opne my account without a hard inquiry. And I would get a notification by mail. However, it's more than 10 days. I get nothing and my account is still closed

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 2021-04-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been a card member with Chase for 10 years. On XX/XX/XXXX, they decided to abruptly close my account. When I called to ask why, they said it was because I had disputed foo many charges. This seems arbitrary to me and I dont understand what basis they have and no one explained it to me. But, if they do have the right to close my card, so be it. What I am complaining about is that Chase charged me an annual membership fee of {$450.00} on XX/XX/XXXX. Today, XX/XX/XXXX, I asked for this fee to be refunded since they ( not I ) decided to close the account. They told me that they would not refund the fee. I think they should provide a refund. I would like this investigated. Thank you.

Company response to consumer: Closed with explanation