vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 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: U.S. BANCORP
State: CO

Complaint narrative:
Follow-up to complaint ID : XXXX. XXXX from Cardmember services left a voice message at XXXX EST on XX/XX/2021, four minutes prior to leaving his post for the day which was stated on his voice message ( XXXX XXXX departure time ) upon promptly returning the call at XXXX EST. A message was left for XXXX stating that the CFPB would be contacted again for the negligence and express judgment inappropriately passed by XXXX Elan Financial prior to speaking to their client. Elan Financial had additional questions that have gone unanswered yet a decision was made against the customer.

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
On XX/XX/2021, I received a call from XXXX, an unknown male stating his name was XXXX XXXX ( or XXXX ) from Focus Financial Services to collect a medical debt for Memorial Health System. I asked him if it was a Florida Corporation. He answered, " Yes. '' I asked if he was licensed to collect a debt in the state of Florida. He answered, " I don't have to be. '' I said that he had to be licensed to collect without violation of my FDCA rights ; he answered, " I collect for a Hospital, so I don't have to be licensed ''. While on the phone with him, I went to the XXXX Florida Department of State website to verify the company. I found the record of 3 companies with the name he gave me : FOCUS FINANCIAL SERVICES , INC. XXXX INACT FOCUS FINANCIAL SERVICES, INC . XXXX INACT FOCUS FINANCIAL SERVICES, INC XXXX INACT All inactive, administratively dissolved for an annual report. 
I asked him why he was calling on behalf of the unexisting business. 
He told me to XXXX the company, the webpage https : //www.ffsservices.com. He told me that the business was located at XXXX XXXX XXXX XXXX #  XXXX, XXXX XXXX, FL XXXX, United States. I answered that having a website and information on XXXX does not allow him to do business in Florida without active registration with the Department of the State of Florida or license to collect the debt. And in my opinion, he was conducting fraudulent activity. He said he did not care about the Department of the State or Federal law requirements. 
From my first question about his inquiry 's legitimacy, he yelled at me excessively and was overly aggressive, which I believe is a coercive tactic. He was interrupting my questions to verify the business information ; I believe he did so to avoid direct answers regarding lack of registration and license. He was asking me to admit the debt and make a payment of XXXX XXXX dollars. I told him he was a fraud and I would be reporting him to Attorney General, Federal Trade Commission, and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I was disputing or correcting items on my Innovis credit report, when I accidently pressed the wrong item. There is no delete or edit button and therefore it goes through. 

I have had to call 33 times to ask to have this fixed and each time the credit reporting agency either hangs up, disconnects or tells me a mgr will call back. Either way this does not get done. 

Today XX/XX/2021 I called, XXXX answered, listened to me then hung up. I called back again for the 34th time. 

I just need the entry Disputes : XXXX XXXX XXXX dispute in progress ( added XX/XX/2021 ) to be deleted. 
They were given my id, police report and the letter faxed in explaining the detail. Even the bank asked to have it off the report. 

They continue to keep it is dispute mode. FCRA 605b says to be deleted within 4 days, this started 3 weeks ago and was requested with the additional information over 9 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: CA

Complaint narrative:
Global Holding has neglected to resolve the issue as it is their obligation as my bank, to be held liable for those executing their contracts. 

I received an email from XXXX XXXX with the Global Consumer Adovacy Team for Global Holding, saying they referred my other complaint in regards to them and their affiliates. 

The lack of accountability they have is very unbecoming of a company or bank. It just continues to show me they truly dont care for their clientele. We are just a contract to push through and make those they are using or have on boarded to execute the contracts- have to deal with their dirty work. 

Hope you guys audit them for their crippling lack of customer service, refusal of liabilities for their service providers and/or lead generators.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ] Account Number : # XXXX XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my Wells Fargo account. 

I want you to know that I understand my financial obligations, and if it were not for divorce expenses, I would have an excellent repayment record. I made a mistake in falling behind, but since then, I have changed careers with higher wages, the divorce proceeding are done and I no longer have the vehicle that was financed through WFDS. 

I am planning to apply for a mortgage within the next year, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XXXX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

Thank you for your consideration, and I hope you will approve my request. 

Best, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I DECIDED TO REPORT THIS BECAUSE I GUESS THIS IS A NEW FRAUD FROM THE COLLECTION AGENCIES, SINCE LAST YEAR I STARTING TO RECEIVED LETTERS FROM DIFERENT COLLECTION AGENCIES TRYING TO GET MONEY FROM ME WITH ACCOUNTS ALREADY CLOSED AND PAID OFF. 
THIS HAPPEN TO ME WITH FLORIDA HOSPITALS CLOSED ACC ALSO. 
AND TODAY I RECEIVED ANOTHER LETTER AND DECIDED TO CALL THE AGENCIE AND THE PERSON TOLD ME THAT THE ACCOUNT IS CLOSED AND NO DEBT TO WORRY ABOUT AND ALSO SHE TOLD ME THAT THE LETTER WAS OLD BUT GOT THIS DATE XXXX.THE AMOUNT WAS XXXX AND OFFER ME A SETLEMENT OF XXXX THIS ACC WAS CLOSED SINCE XXXX. 
I WAS SO UPSET AND CONCERNED BECAUSE THE TRICK IS THAT THIS COMPANIES OFFER YOU A CERTAIN DISCOUNT PERCENT SO THE PERSON PAY AS SOON THEY RECEIVED THE OFFER WITHOUT VERIFIED THE DEBT, HAPPEN TO ME ONCE ALREADY ; PLEASE TAKE ACTION AND ADVICE THE PUBLIC,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: PA

Complaint narrative:
The debt that is on my credit file is not of my own the file is completely unrecognizable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have sent Experian a letter on XX/XX/2020 disputing wrong addresses, phone numbers and employment information. I have attached a file that shows the U.S. Postal Certified Mail receipt as proof and they did not remove the inaccurate information. The following incorrect personal information is listed below : Addresses : XXXX XXXX XXXX XXXX XXXX, WISCONSIN XXXX XXXX XXXX XXXX XXXX XXXX, WISCONSIN XXXX Employment : XXXX XXXX XXXX Phone Numbers : XXXX XXXX I request that Experian remove the inaccurate addresses, phone numbers and employment information listed above, being that I have no association with this 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 non-monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consumer Solutions Group
State: OH

Complaint narrative:
Numerous calls regarding that we are being accused of deceptive banking practices and that they will contact my employer to garnish wages. User stated that his name was Mr XXXX. Asked to have them mail us proof of the debt and they insisted that they have and that they wouldn't send anything. 

We asked for verification of the debt and they refused.

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I previously submitted an FTC Report and Police Report for Identity theft for fraudulent accounts listed on my credit report. The following accounts do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation
State: TX

Complaint narrative:
CARD.com lock my account, which prohibit my social security check to be return, the money I had in the account they won't release it back!!! My account was compromise XXXX XXXX weekend, I reported the issue, the revise the charges back to my accout, but because I have an change in address they locked the account and keeps asking for documentations, I sent it in and they still never sent my money back!! I need this money people are out here struggling

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: NV

Complaint narrative:
Equifax Has a company XXXX XXXX XXXX XXXX XXXX on my credit file XXXX/XXXX/2020 that i did not agree to or sign nothing saying run any type of credit Soft/Hard or agree to terms. XXXX XXXX XXXX XXXX seems to be doing fraud to rent there cars. I need the contract that XXXX XXXX XXXX shows me agreeing to terms not some verbal reply or some reply in words to this issue. 
I'm also filing a US Attorney Complaint and will be filing a law suit on EquifaxXXXX XXXX XXXX XXXX in regards to there XXXX XXXX XXXXXXXX contracts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Hi- I have sent this information to you guys before and this company stalls a few months then add it back to my credit ... it's very disturbing and repetitious. Over a year ago this Debt was identified as a fraud yet IC Systems continues to apply it to my 3 credit reports. 
I would like it to be removed. 
I don't owe this debt of {$140.00} to IC System nor XXXX  XXXX XXXX. Please removed

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XXXX I sent in a letter to validate accounts on my credit report, they did not resond. I sent in a failure to respond letter on XXXX it's now past 45 days and by law it must be removed!

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
credit collection agencies, the previous employer/s had shared, disclosed health and personal identification info without consent XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX of WI child support

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 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: PA

Complaint narrative:
Opened a/c XXXX/XXXX/20. On XX/XX//20, completed payroll direct deposit reqt. of XXXX {$500.00} within 60 days to qualify for {$200.00} bonus. Bonus should have been awarded 90 days later ( XXXX/XXXX/20 ). I've called twice & both times was told yes, bonus would be credited with 2-3 business days but have yet to receive it. Bonus code was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: Block, Inc.
State: OH

Complaint narrative:
The issue is the difference between the amount of referral money I received from the Cash App versus the amount of money specified on a tax form that Square, Inc. sent me. 

Square, Inc. owns Cash App. 

Last XXXX I started to receive an unusually large amount of referrals for the Cash App. I was able to withdrawal some of the money ( {$1000.00} ) but not all understandably Square appeared to terminate my Cash Account. The only way I could determine that my account was terminated was that I received an email stating my email was unlinked from the account, a text stating that my phone number had been unlinked from my account, and my " cashtag '' URL returned a 404 Not Found error. 

At the time I reached out to the Cash App support, but received no response. 

On XX/XX/XXXX2021, I received a 1099-NEC tax form from Square, Inc. stating that Square had paid me {$19000.00}. ( Line 1 of the 1099-NEC, labeled Nonemployee compensation, lists an amount of {$19000.00}. ) OnXX/XX/2021, I " XXXX '' at @ CashApp and @ CashSupport about the issue. This led to an email inquiring on the issue ; I responded but have heard nothing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My daughter did not had a bank account and wanted to apply for a cash loan I provide her lender my information to deposit funds to my account to transfer to her. Apparently was a scammer who pretended to be me and use my information to file a claim and stated that the ATM was faulty and that I deposit XXXX which it was not correct. The Bank without question issued a credit to my account but my account stayed the same fund amount without any change. The XXXX was deposit from XXXX XXXX and I proceeded to transfer to my daughter XXXX XXXX  to help her. I received a letter of a claim from bank a America I never claimed I called Bank of America on XX/XX/XXXX to state that it may be a scam since I never authorize a claim. I trusted they closed the account but instead the proceeded to investigate without closing it. No paper work or background information was provided to me showing I was the one making deposit of XXXX in the ATM nothing no explanation but they decided to deduct out of my account XXXX without explanations.I want full refund of that transaction and stop further deductions to my account. What they did is illegal and I demand proof it was me who did this transaction. A scammer pretended to be me and now Bank of America want to penalize me for it.

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am trying to put in place credit freezes with Experian, XXXX and XXXX. The date is XXXX XXXX, 2021. I have had no problems with the latter two. However, Experians online and phone systems do not work. Its a nightmare. 

First, credit freezes do not appear on the Experian site and theres no way to search. I finally found freeze options when I clicked on a product they sell credit lock. On that page, in very small letters, they explain that a credit lock is different than a freeze. Clicking on the freeze takes you to an application which doesnt function properly. It keeps telling me I havent filled in my old addresses when there are no blanks for this information. 

The phone system also doesnt work. It only gives you options to unfreeze but not freeze your credit reports. 

Ive been trying without luck to get a person on the phone or via chat. 

I went through a similar nightmare in XXXX trying to temporarily unfreeze my credit reports. Again, it was simple with the other two companies. I eventually got someone one the phone at Experian. Unfortunately, I have been unable to do the same now.

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent in dispute letters certified for transunion, XXXX, XXXX  and have not received result status nor any response. The date for my dispute letters to all company 's is XXXX/XXXX/2021 it has been more than 30 days at this point and I have talked with them to dispute everything because XXXX 30 days non response. Every letter has date and information in yellow which I disputed.

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XXXX/XXXX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I check my credit i notice that someone is Using my personal Information which make me very upset i did not give anyone Consent to open any Accounts using my personal Information this report is to help me I'm taking the necessaries step so this situation will be Resolved i no longer want to be a victim of Identity Theft

Company response to consumer: Closed with explanation